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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 | $16,506 | $162,785-89.9% | $133,959-87.7% | $158,950-89.6% |
| Participation rate | 54.5% | 83.2%-28.7pp | 79.8%-25.3pp | 82.0%-27.4pp |
| Annual return | 13.02% | 41.94%-28.9pp | 45.09%-32.1pp | 302.91%-289.9pp |
| Employer contribution / active EE | $1,192 | $4,975-76.0% | $3,919-69.6% | $4,762-75.0% |
| Participant deferral / active EE | $1,865 | $5,910-68.4% | $5,047-63.0% | $5,983-68.8% |
| Admin fee / account holder | $779 | $11,738-93.4% | $8,928-91.3% | $11,248-93.1% |