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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 | $22,404 | $86,298-74.0% | $111,308-79.9% | $85,847-73.9% |
| Participation rate | 66.1% | 73.3%-7.3pp | 77.3%-11.2pp | 69.3%-3.2pp |
| Annual return | 13.03% | 19.99%-7.0pp | 54.67%-41.6pp | 318.61%-305.6pp |
| Employer contribution / active EE | $996 | $2,044-51.2% | $2,732-63.5% | $2,565-61.2% |
| Participant deferral / active EE | $1,890 | $3,641-48.1% | $4,487-57.9% | $3,952-52.2% |
| Admin fee / account holder | $3,875 | $8,189-52.7% | $7,965-51.3% | $6,261-38.1% |