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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 | $22,153 | $185,856-88.1% | $170,028-87.0% | $139,456-84.1% |
| Participation rate | 50.0% | 87.8%-37.8pp | 87.0%-37.0pp | 80.3%-30.3pp |
| Annual return | 25.35% | 60.52%-35.2pp | 53.39%-28.0pp | 373.45%-348.1pp |
| Employer contribution / active EE | $4,087 | $7,593-46.2% | $6,788-39.8% | $4,753-14.0% |
| Participant deferral / active EE | $4,430 | $11,623-61.9% | $10,409-57.4% | $6,711-34.0% |
| Admin fee / account holder | $1,021 | $15,387-93.4% | $12,820-92.0% | $11,407-91.1% |