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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 | $10,641 | $166,089-93.6% | $164,928-93.5% | $145,978-92.7% |
| Participation rate | 58.3% | 82.0%-23.7pp | 78.6%-20.3pp | 80.3%-22.0pp |
| Annual return | 9.75% | 100.26%-90.5pp | 70.08%-60.3pp | 550.52%-540.8pp |
| Employer contribution / active EE | $1,178 | $5,276-77.7% | $4,343-72.9% | $4,662-74.7% |
| Participant deferral / active EE | $2,050 | $6,961-70.5% | $6,034-66.0% | $6,690-69.4% |
| Admin fee / account holder | $472 | $16,641-97.2% | $12,684-96.3% | $13,400-96.5% |