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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 | $21,991 | $103,966-78.8% | $112,923-80.5% | $75,177-70.7% |
| Participation rate | 50.0% | 75.7%-25.7pp | 80.5%-30.5pp | 67.2%-17.2pp |
| Annual return | 45.61% | 24.54%+21.1pp | 34.13%+11.5pp | 160.75%-115.1pp |
| Employer contribution / active EE | $0 | $3,870-100.0% | $4,570-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $5,389 | $5,456-1.2% | $6,520-17.3% | $4,126+30.6% |
| Admin fee / account holder | $638 | $7,663-91.7% | $7,046-91.0% | $5,651-88.7% |