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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 | $24,133 | $105,200-77.1% | $159,474-84.9% | $85,847-71.9% |
| Participation rate | 57.3% | 75.8%-18.5pp | 82.8%-25.5pp | 69.3%-12.0pp |
| Annual return | 15.66% | 45.08%-29.4pp | 263.68%-248.0pp | 318.61%-302.9pp |
| Employer contribution / active EE | $1,566 | $3,319-52.8% | $4,831-67.6% | $2,565-38.9% |
| Participant deferral / active EE | $3,104 | $5,946-47.8% | $7,353-57.8% | $3,952-21.5% |
| Admin fee / account holder | $1,946 | $6,934-71.9% | $10,802-82.0% | $6,261-68.9% |