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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 | $10,511 | $109,344-90.4% | $89,400-88.2% | $158,950-93.4% |
| Participation rate | 40.0% | 74.3%-34.3pp | 68.0%-28.0pp | 82.0%-42.0pp |
| Annual return | 20.86% | 345.73%-324.9pp | 245.64%-224.8pp | 302.91%-282.0pp |
| Employer contribution / active EE | $907 | $3,170-71.4% | $2,586-64.9% | $4,762-80.9% |
| Participant deferral / active EE | $1,160 | $4,599-74.8% | $3,890-70.2% | $5,983-80.6% |
| Admin fee / account holder | $651 | $6,154-89.4% | $4,882-86.7% | $11,248-94.2% |