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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 | $18,584 | $106,918-82.6% | $84,021-77.9% | $152,897-87.8% |
| Participation rate | 59.1% | 75.2%-16.2pp | 69.0%-9.9pp | 82.5%-23.4pp |
| Annual return | 20.29% | 105.01%-84.7pp | 71.32%-51.0pp | 345.43%-325.1pp |
| Employer contribution / active EE | $439 | $2,735-83.9% | $1,984-77.9% | $4,764-90.8% |
| Participant deferral / active EE | $2,424 | $4,012-39.6% | $3,239-25.2% | $5,851-58.6% |
| Admin fee / account holder | $1,244 | $8,288-85.0% | $6,102-79.6% | $11,599-89.3% |