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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 | $21,516 | $165,381-87.0% | $149,730-85.6% | $158,966-86.5% |
| Participation rate | 41.2% | 84.6%-43.4pp | 82.5%-41.3pp | 82.0%-40.8pp |
| Annual return | 20.96% | 348.29%-327.3pp | 276.70%-255.7pp | 302.95%-282.0pp |
| Employer contribution / active EE | $1,248 | $5,104-75.5% | $4,645-73.1% | $4,762-73.8% |
| Participant deferral / active EE | $2,363 | $7,182-67.1% | $6,843-65.5% | $5,983-60.5% |
| Admin fee / account holder | $366 | $10,809-96.6% | $9,310-96.1% | $11,250-96.7% |