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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 | $11,411 | $174,018-93.4% | $136,833-91.7% | $198,609-94.3% |
| Participation rate | 66.7% | 65.1%+1.5pp | 59.0%+7.6pp | 82.4%-15.7pp |
| Annual return | 23.45% | 35.16%-11.7pp | 35.32%-11.9pp | 202.70%-179.2pp |
| Employer contribution / active EE | $906 | $1,571-42.3% | $1,319-31.3% | $5,055-82.1% |
| Participant deferral / active EE | $1,225 | $2,873-57.4% | $2,441-49.8% | $6,977-82.4% |
| Admin fee / account holder | $1,974 | $5,434-63.7% | $4,706-58.0% | $19,030-89.6% |