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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 | $8,668 | $102,638-91.6% | $81,991-89.4% | $158,966-94.5% |
| Participation rate | 64.3% | 75.5%-11.2pp | 69.3%-5.0pp | 82.0%-17.7pp |
| Annual return | 8.27% | 61.05%-52.8pp | 41.31%-33.0pp | 302.95%-294.7pp |
| Employer contribution / active EE | $978 | $3,241-69.8% | $2,498-60.9% | $4,762-79.5% |
| Participant deferral / active EE | $1,246 | $4,649-73.2% | $3,722-66.5% | $5,983-79.2% |
| Admin fee / account holder | $1,006 | $8,237-87.8% | $5,665-82.2% | $11,250-91.1% |