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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 | $10,371 | $118,919-91.3% | $88,538-88.3% | $152,885-93.2% |
| Participation rate | 58.3% | 73.4%-15.0pp | 68.7%-10.4pp | 82.5%-24.1pp |
| Annual return | 44.84% | 47.92%-3.1pp | 43.64%+1.2pp | 345.39%-300.5pp |
| Employer contribution / active EE | $1,392 | $2,669-47.8% | $2,098-33.7% | $4,763-70.8% |
| Participant deferral / active EE | $4,020 | $3,549+13.3% | $2,914+38.0% | $5,851-31.3% |
| Admin fee / account holder | $447 | $5,876-92.4% | $4,310-89.6% | $11,598-96.1% |