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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 | $14,290 | $228,395-93.7% | $185,861-92.3% | $158,982-91.0% |
| Participation rate | 42.9% | 82.3%-39.5pp | 78.0%-35.2pp | 82.0%-39.1pp |
| Annual return | 24.59% | 40.82%-16.2pp | 35.96%-11.4pp | 302.99%-278.4pp |
| Employer contribution / active EE | $1,647 | $4,968-66.8% | $4,088-59.7% | $4,763-65.4% |
| Participant deferral / active EE | $2,112 | $6,417-67.1% | $5,634-62.5% | $5,983-64.7% |
| Admin fee / account holder | $1,848 | $11,869-84.4% | $9,503-80.6% | $11,252-83.6% |