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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 | $10,441 | $124,980-91.6% | $108,359-90.4% | $154,746-93.3% |
| Participation rate | 61.9% | 75.2%-13.3pp | 70.1%-8.2pp | 80.7%-18.8pp |
| Annual return | 12.77% | 45.00%-32.2pp | 36.89%-24.1pp | 172.34%-159.6pp |
| Employer contribution / active EE | $868 | $2,851-69.5% | $2,399-63.8% | $4,379-80.2% |
| Participant deferral / active EE | $1,745 | $4,743-63.2% | $4,137-57.8% | $6,730-74.1% |
| Admin fee / account holder | $3,392 | $11,502-70.5% | $9,741-65.2% | $14,365-76.4% |