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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 | $16,747 | $150,346-88.9% | $120,524-86.1% | $145,877-88.5% |
| Participation rate | 40.0% | 78.8%-38.8pp | 71.9%-31.9pp | 80.3%-40.3pp |
| Annual return | 12.52% | 154.40%-141.9pp | 107.36%-94.8pp | 551.28%-538.8pp |
| Employer contribution / active EE | $918 | $4,353-78.9% | $3,469-73.5% | $4,663-80.3% |
| Participant deferral / active EE | $2,171 | $6,172-64.8% | $4,994-56.5% | $6,691-67.5% |
| Admin fee / account holder | $12,771 | $12,215+4.5% | $9,440+35.3% | $13,402-4.7% |