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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 | $13,243 | $117,895-88.8% | $102,460-87.1% | $145,897-90.9% |
| Participation rate | 66.7% | 78.6%-12.0pp | 76.5%-9.8pp | 80.3%-13.6pp |
| Annual return | 18.22% | 31.92%-13.7pp | 29.47%-11.2pp | 552.29%-534.1pp |
| Employer contribution / active EE | $1,066 | $3,619-70.5% | $3,025-64.8% | $4,663-77.1% |
| Participant deferral / active EE | $2,132 | $5,736-62.8% | $5,056-57.8% | $6,689-68.1% |
| Admin fee / account holder | $354 | $13,353-97.3% | $9,460-96.3% | $13,390-97.4% |