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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 | $25,907 | $162,821-84.1% | $133,978-80.7% | $158,982-83.7% |
| Participation rate | 53.3% | 83.2%-29.9pp | 79.8%-26.5pp | 82.0%-28.6pp |
| Annual return | 29.28% | 41.95%-12.7pp | 45.10%-15.8pp | 302.99%-273.7pp |
| Employer contribution / active EE | $2,014 | $4,976-59.5% | $3,919-48.6% | $4,763-57.7% |
| Participant deferral / active EE | $4,691 | $5,910-20.6% | $5,047-7.1% | $5,983-21.6% |
| Admin fee / account holder | $1,143 | $11,742-90.3% | $8,930-87.2% | $11,252-89.8% |