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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 | $13,688 | $156,616-91.3% | $133,346-89.7% | $198,609-93.1% |
| Participation rate | 63.2% | 77.7%-14.6pp | 72.8%-9.7pp | 82.4%-19.2pp |
| Annual return | 24.47% | 44.25%-19.8pp | 36.85%-12.4pp | 202.70%-178.2pp |
| Employer contribution / active EE | $1,404 | $3,368-58.3% | $2,853-50.8% | $5,055-72.2% |
| Participant deferral / active EE | $2,364 | $4,920-51.9% | $4,332-45.4% | $6,977-66.1% |
| Admin fee / account holder | $504 | $17,468-97.1% | $14,264-96.5% | $19,030-97.4% |