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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,327 | $157,296-86.4% | $141,191-84.9% | $152,897-86.1% |
| Participation rate | 57.1% | 84.8%-27.7pp | 82.5%-25.3pp | 82.5%-25.3pp |
| Annual return | 23.04% | 64.34%-41.3pp | 71.41%-48.4pp | 345.43%-322.4pp |
| Employer contribution / active EE | $3,046 | $5,262-42.1% | $4,736-35.7% | $4,764-36.1% |
| Participant deferral / active EE | $3,964 | $7,111-44.3% | $6,710-40.9% | $5,851-32.2% |
| Admin fee / account holder | $5,206 | $12,125-57.1% | $10,264-49.3% | $11,599-55.1% |