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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 | $125,237-86.6% | $105,608-84.1% | $145,877-88.5% |
| Participation rate | 68.8% | 77.7%-8.9pp | 75.3%-6.5pp | 80.3%-11.6pp |
| Annual return | 14.98% | 225.76%-210.8pp | 116.50%-101.5pp | 551.28%-536.3pp |
| Employer contribution / active EE | $984 | $3,720-73.6% | $3,167-68.9% | $4,663-78.9% |
| Participant deferral / active EE | $1,702 | $5,711-70.2% | $5,010-66.0% | $6,691-74.6% |
| Admin fee / account holder | $1,094 | $17,287-93.7% | $11,028-90.1% | $13,402-91.8% |