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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 | $14,969 | $168,636-91.1% | $147,618-89.9% | $125,388-88.1% |
| Participation rate | 40.0% | 88.8%-48.8pp | 84.6%-44.6pp | 83.2%-43.2pp |
| Annual return | 0.00% | 77.65%-77.6pp | 61.98%-62.0pp | 282.24%-282.2pp |
| Employer contribution / active EE | $1,789 | $6,252-71.4% | $5,565-67.9% | $4,866-63.2% |
| Participant deferral / active EE | $4,560 | $5,507-17.2% | $4,895-6.9% | $5,352-14.8% |
| Admin fee / account holder | $1,006 | $13,580-92.6% | $11,612-91.3% | $9,541-89.5% |