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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 | $13,502 | $129,737-89.6% | $119,126-88.7% | $154,746-91.3% |
| Participation rate | 52.2% | 78.9%-26.7pp | 75.8%-23.6pp | 80.7%-28.5pp |
| Annual return | 22.02% | 379.08%-357.1pp | 282.11%-260.1pp | 172.34%-150.3pp |
| Employer contribution / active EE | $1,532 | $4,375-65.0% | $4,034-62.0% | $4,379-65.0% |
| Participant deferral / active EE | $2,143 | $5,842-63.3% | $5,318-59.7% | $6,730-68.2% |
| Admin fee / account holder | $579 | $11,961-95.2% | $10,693-94.6% | $14,365-96.0% |