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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 | $10,645 | $211,105-95.0% | $178,449-94.0% | $145,978-92.7% |
| Participation rate | 50.0% | 80.8%-30.8pp | 77.1%-27.1pp | 80.3%-30.3pp |
| Annual return | 12.92% | 30.19%-17.3pp | 27.09%-14.2pp | 550.52%-537.6pp |
| Employer contribution / active EE | $1,603 | $4,569-64.9% | $3,951-59.4% | $4,662-65.6% |
| Participant deferral / active EE | $1,603 | $6,959-77.0% | $6,277-74.5% | $6,690-76.0% |
| Admin fee / account holder | $1,561 | $12,017-87.0% | $10,362-84.9% | $13,400-88.4% |