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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 | $9,390 | $76,551-87.7% | $123,894-92.4% | $62,881-85.1% |
| Participation rate | 66.7% | 73.0%-6.3pp | 81.4%-14.7pp | 69.3%-2.6pp |
| Annual return | 47.89% | 18.68%+29.2pp | 47.52%+0.4pp | 20.14%+27.7pp |
| Employer contribution / active EE | $2,094 | $2,882-27.3% | $4,617-54.6% | $2,281-8.2% |
| Participant deferral / active EE | $4,208 | $4,840-13.0% | $5,984-29.7% | $3,203+31.4% |
| Admin fee / account holder | $427 | $4,826-91.2% | $8,357-94.9% | $4,296-90.1% |