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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 | $14,495 | $77,164-81.2% | $178,014-91.9% | $80,874-82.1% |
| Participation rate | 60.0% | 65.7%-5.7pp | 77.1%-17.1pp | 67.6%-7.6pp |
| Annual return | 14.13% | 18.09%-4.0pp | 294.80%-280.7pp | 35.62%-21.5pp |
| Employer contribution / active EE | $1,621 | $2,288-29.1% | $3,950-59.0% | $2,756-41.2% |
| Participant deferral / active EE | $2,189 | $4,408-50.3% | $6,276-65.1% | $4,297-49.1% |
| Admin fee / account holder | $4,257 | $7,164-40.6% | $10,362-58.9% | $6,935-38.6% |