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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 | $12,345 | $177,595-93.0% | $148,496-91.7% | $198,609-93.8% |
| Participation rate | 66.7% | 79.3%-12.6pp | 76.0%-9.4pp | 82.4%-15.7pp |
| Annual return | 43.60% | 9.97%+33.6pp | 12.33%+31.3pp | 202.70%-159.1pp |
| Employer contribution / active EE | $1,004 | $4,098-75.5% | $3,497-71.3% | $5,055-80.1% |
| Participant deferral / active EE | $2,965 | $5,539-46.5% | $4,808-38.3% | $6,977-57.5% |
| Admin fee / account holder | $3,778 | $27,010-86.0% | $19,547-80.7% | $19,030-80.1% |