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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 | $17,458 | $85,766-79.6% | $136,298-87.2% | $70,126-75.1% |
| Participation rate | 67.3% | 74.2%-6.8pp | 81.9%-14.6pp | 69.5%-2.2pp |
| Annual return | 18.61% | 31.46%-12.8pp | 5156.27%-5137.7pp | 73.15%-54.5pp |
| Employer contribution / active EE | $2,574 | $2,966-13.2% | $4,696-45.2% | $2,343+9.9% |
| Participant deferral / active EE | $5,010 | $5,051-0.8% | $6,247-19.8% | $3,332+50.4% |
| Admin fee / account holder | $3,724 | $5,421-31.3% | $9,244-59.7% | $4,645-19.8% |