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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 | $18,362 | $106,923-82.8% | $84,023-78.1% | $152,909-88.0% |
| Participation rate | 62.5% | 75.3%-12.8pp | 69.0%-6.5pp | 82.5%-20.0pp |
| Annual return | 28.31% | 105.02%-76.7pp | 71.32%-43.0pp | 345.46%-317.2pp |
| Employer contribution / active EE | $2,048 | $2,735-25.1% | $1,984+3.2% | $4,764-57.0% |
| Participant deferral / active EE | $3,614 | $4,013-9.9% | $3,239+11.6% | $5,851-38.2% |
| Admin fee / account holder | $4,696 | $8,289-43.3% | $6,102-23.0% | $11,601-59.5% |