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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 | $16,744 | $125,184-86.6% | $105,607-84.1% | $145,884-88.5% |
| Participation rate | 68.8% | 77.6%-8.9pp | 75.3%-6.5pp | 80.3%-11.6pp |
| Annual return | 14.98% | 225.00%-210.0pp | 116.11%-101.1pp | 551.85%-536.9pp |
| Employer contribution / active EE | $984 | $3,720-73.5% | $3,167-68.9% | $4,662-78.9% |
| Participant deferral / active EE | $1,702 | $5,714-70.2% | $5,011-66.0% | $6,690-74.6% |
| Admin fee / account holder | $1,094 | $17,133-93.6% | $10,958-90.0% | $13,392-91.8% |