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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 | $14,867 | $86,298-82.8% | $111,308-86.6% | $85,847-82.7% |
| Participation rate | 67.6% | 73.3%-5.7pp | 77.3%-9.7pp | 69.3%-1.7pp |
| Annual return | 17.27% | 19.99%-2.7pp | 54.67%-37.4pp | 318.61%-301.3pp |
| Employer contribution / active EE | $1,194 | $2,044-41.6% | $2,732-56.3% | $2,565-53.5% |
| Participant deferral / active EE | $3,563 | $3,641-2.1% | $4,487-20.6% | $3,952-9.9% |
| Admin fee / account holder | $493 | $8,189-94.0% | $7,965-93.8% | $6,261-92.1% |