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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 | $10,813 | $104,937-89.7% | $84,628-87.2% | $152,897-92.9% |
| Participation rate | 53.3% | 74.8%-21.5pp | 68.2%-14.9pp | 82.5%-29.1pp |
| Annual return | 23.52% | 373.88%-350.4pp | 258.80%-235.3pp | 345.43%-321.9pp |
| Employer contribution / active EE | $2,093 | $3,303-36.6% | $2,653-21.1% | $4,764-56.1% |
| Participant deferral / active EE | $4,591 | $4,690-2.1% | $3,900+17.7% | $5,851-21.5% |
| Admin fee / account holder | $1,675 | $6,243-73.2% | $4,914-65.9% | $11,599-85.6% |