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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 | $22,445 | $78,707-71.5% | $117,861-81.0% | $70,126-68.0% |
| Participation rate | 62.5% | 73.2%-10.7pp | 79.7%-17.2pp | 69.5%-7.0pp |
| Annual return | 15.46% | 23.30%-7.8pp | 335.11%-319.6pp | 73.15%-57.7pp |
| Employer contribution / active EE | $936 | $2,223-57.9% | $3,786-75.3% | $2,343-60.0% |
| Participant deferral / active EE | $3,968 | $3,297+20.3% | $4,482-11.5% | $3,332+19.1% |
| Admin fee / account holder | $1,059 | $5,066-79.1% | $8,021-86.8% | $4,645-77.2% |