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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 | $20,589 | $157,296-86.9% | $141,191-85.4% | $152,897-86.5% |
| Participation rate | 66.7% | 84.8%-18.2pp | 82.5%-15.8pp | 82.5%-15.8pp |
| Annual return | 15.29% | 64.34%-49.0pp | 71.41%-56.1pp | 345.43%-330.1pp |
| Employer contribution / active EE | $1,416 | $5,262-73.1% | $4,736-70.1% | $4,764-70.3% |
| Participant deferral / active EE | $3,657 | $7,111-48.6% | $6,710-45.5% | $5,851-37.5% |
| Admin fee / account holder | $470 | $12,125-96.1% | $10,264-95.4% | $11,599-96.0% |