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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 | $27,611 | $289,211-90.5% | $260,467-89.4% | $198,609-86.1% |
| Participation rate | 27.3% | 83.1%-55.8pp | 80.5%-53.2pp | 82.4%-55.1pp |
| Annual return | 12.36% | 112.90%-100.5pp | 100.60%-88.2pp | 202.70%-190.3pp |
| Employer contribution / active EE | $678 | $4,663-85.5% | $4,239-84.0% | $5,055-86.6% |
| Participant deferral / active EE | $3,739 | $6,812-45.1% | $6,319-40.8% | $6,977-46.4% |
| Admin fee / account holder | $14,084 | $16,236-13.3% | $15,461-8.9% | $19,030-26.0% |