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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 | $17,214 | $162,812-89.4% | $133,971-87.2% | $158,966-89.2% |
| Participation rate | 38.1% | 83.2%-45.1pp | 79.8%-41.7pp | 82.0%-43.9pp |
| Annual return | 17.70% | 41.94%-24.2pp | 45.09%-27.4pp | 302.95%-285.2pp |
| Employer contribution / active EE | $1,145 | $4,976-77.0% | $3,919-70.8% | $4,762-76.0% |
| Participant deferral / active EE | $1,955 | $5,910-66.9% | $5,047-61.3% | $5,983-67.3% |
| Admin fee / account holder | $1,235 | $11,741-89.5% | $8,929-86.2% | $11,250-89.0% |