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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 | $15,664 | $154,209-89.8% | $130,062-88.0% | $139,487-88.8% |
| Participation rate | 66.7% | 82.0%-15.3pp | 78.5%-11.8pp | 80.3%-13.7pp |
| Annual return | 25.29% | 32.52%-7.2pp | -137.37%+162.7pp | 373.84%-348.6pp |
| Employer contribution / active EE | $3,014 | $5,292-43.1% | $4,322-30.3% | $4,755-36.6% |
| Participant deferral / active EE | $8,514 | $6,709+26.9% | $5,821+46.3% | $6,713+26.8% |
| Admin fee / account holder | $365 | $13,988-97.4% | $10,601-96.6% | $11,407-96.8% |