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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 | $19,206 | $135,956-85.9% | $123,894-84.5% | $273,972-93.0% |
| Participation rate | 66.7% | 84.1%-17.4pp | 81.4%-14.7pp | 83.0%-16.3pp |
| Annual return | 6.29% | 56.63%-50.3pp | 47.52%-41.2pp | 41.46%-35.2pp |
| Employer contribution / active EE | $1,212 | $5,170-76.5% | $4,617-73.7% | $4,869-75.1% |
| Participant deferral / active EE | $2,148 | $6,343-66.1% | $5,984-64.1% | $5,287-59.4% |
| Admin fee / account holder | $1,400 | $9,817-85.7% | $8,357-83.2% | $10,133-86.2% |