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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 | $13,153 | $141,001-90.7% | $112,228-88.3% | $139,487-90.6% |
| Participation rate | 62.5% | 79.2%-16.7pp | 72.4%-9.9pp | 80.3%-17.8pp |
| Annual return | 19.35% | 32.75%-13.4pp | 30.23%-10.9pp | 373.84%-354.5pp |
| Employer contribution / active EE | $1,197 | $4,285-72.1% | $3,432-65.1% | $4,755-74.8% |
| Participant deferral / active EE | $3,088 | $5,877-47.5% | $4,800-35.7% | $6,713-54.0% |
| Admin fee / account holder | $4,275 | $9,959-57.1% | $7,752-44.9% | $11,407-62.5% |