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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 | $14,515 | $107,363-86.5% | $92,909-84.4% | $152,897-90.5% |
| Participation rate | 30.8% | 79.8%-49.0pp | 76.0%-45.2pp | 82.5%-51.7pp |
| Annual return | 27.30% | 145.63%-118.3pp | 109.44%-82.1pp | 345.43%-318.1pp |
| Employer contribution / active EE | $1,663 | $4,222-60.6% | $3,653-54.5% | $4,764-65.1% |
| Participant deferral / active EE | $2,724 | $4,848-43.8% | $4,238-35.7% | $5,851-53.4% |
| Admin fee / account holder | $1,502 | $7,082-78.8% | $5,795-74.1% | $11,599-87.1% |