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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 | $9,018 | $106,247-91.5% | $96,515-90.7% | $139,466-93.5% |
| Participation rate | 61.5% | 77.8%-16.3pp | 74.3%-12.8pp | 80.3%-18.8pp |
| Annual return | 20.25% | 38.47%-18.2pp | 35.73%-15.5pp | 373.66%-353.4pp |
| Employer contribution / active EE | $890 | $4,106-78.3% | $3,740-76.2% | $4,754-81.3% |
| Participant deferral / active EE | $1,496 | $5,456-72.6% | $4,880-69.3% | $6,712-77.7% |
| Admin fee / account holder | $1,096 | $7,885-86.1% | $6,735-83.7% | $11,409-90.4% |