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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 | $15,134 | $129,737-88.3% | $119,126-87.3% | $154,746-90.2% |
| Participation rate | 62.5% | 78.9%-16.4pp | 75.8%-13.3pp | 80.7%-18.2pp |
| Annual return | 23.80% | 379.08%-355.3pp | 282.11%-258.3pp | 172.34%-148.5pp |
| Employer contribution / active EE | $1,750 | $4,375-60.0% | $4,034-56.6% | $4,379-60.0% |
| Participant deferral / active EE | $4,385 | $5,842-24.9% | $5,318-17.6% | $6,730-34.9% |
| Admin fee / account holder | $483 | $11,961-96.0% | $10,693-95.5% | $14,365-96.6% |