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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 | $12,479 | $78,707-84.1% | $117,861-89.4% | $70,126-82.2% |
| Participation rate | 64.5% | 73.2%-8.7pp | 79.7%-15.1pp | 69.5%-5.0pp |
| Annual return | 19.29% | 23.30%-4.0pp | 335.11%-315.8pp | 73.15%-53.9pp |
| Employer contribution / active EE | $885 | $2,223-60.2% | $3,786-76.6% | $2,343-62.2% |
| Participant deferral / active EE | $3,103 | $3,297-5.9% | $4,482-30.8% | $3,332-6.9% |
| Admin fee / account holder | $471 | $5,066-90.7% | $8,021-94.1% | $4,645-89.9% |