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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 | $15,982 | $148,623-89.2% | $135,974-88.2% | $139,466-88.5% |
| Participation rate | 50.0% | 83.9%-33.9pp | 81.9%-31.9pp | 80.3%-30.3pp |
| Annual return | 26.23% | 79.30%-53.1pp | 68.30%-42.1pp | 373.66%-347.4pp |
| Employer contribution / active EE | $1,093 | $5,246-79.2% | $4,859-77.5% | $4,754-77.0% |
| Participant deferral / active EE | $3,721 | $8,103-54.1% | $7,760-52.1% | $6,712-44.6% |
| Admin fee / account holder | $612 | $12,406-95.1% | $10,767-94.3% | $11,409-94.6% |