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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 | $12,815 | $81,208-84.2% | $98,920-87.0% | $79,856-84.0% |
| Participation rate | 63.4% | 72.5%-9.1pp | 76.0%-12.6pp | 69.6%-6.2pp |
| Annual return | 17.96% | 60.99%-43.0pp | 196.47%-178.5pp | 31.71%-13.8pp |
| Employer contribution / active EE | $561 | $1,960-71.4% | $2,689-79.2% | $2,471-77.3% |
| Participant deferral / active EE | $2,112 | $3,265-35.3% | $4,245-50.2% | $3,741-43.5% |
| Admin fee / account holder | $892 | $6,013-85.2% | $6,643-86.6% | $5,306-83.2% |