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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 | $22,873 | $105,198-78.3% | $159,455-85.7% | $85,856-73.4% |
| Participation rate | 51.3% | 75.8%-24.5pp | 82.8%-31.5pp | 69.3%-18.0pp |
| Annual return | 14.46% | 45.08%-30.6pp | 263.63%-249.2pp | 318.58%-304.1pp |
| Employer contribution / active EE | $1,303 | $3,319-60.8% | $4,830-73.0% | $2,565-49.2% |
| Participant deferral / active EE | $2,957 | $5,946-50.3% | $7,353-59.8% | $3,952-25.2% |
| Admin fee / account holder | $565 | $6,934-91.9% | $10,800-94.8% | $6,261-91.0% |