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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 | $27,752 | $162,821-83.0% | $133,978-79.3% | $158,982-82.5% |
| Participation rate | 46.2% | 83.2%-37.1pp | 79.8%-33.7pp | 82.0%-35.8pp |
| Annual return | 49.39% | 41.95%+7.4pp | 45.10%+4.3pp | 302.99%-253.6pp |
| Employer contribution / active EE | $1,404 | $4,976-71.8% | $3,919-64.2% | $4,763-70.5% |
| Participant deferral / active EE | $4,314 | $5,910-27.0% | $5,047-14.5% | $5,983-27.9% |
| Admin fee / account holder | $6,095 | $11,742-48.1% | $8,930-31.7% | $11,252-45.8% |