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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 | $13,742 | $176,402-92.2% | $134,162-89.8% | $158,966-91.4% |
| Participation rate | 52.4% | 78.7%-26.3pp | 72.2%-19.8pp | 82.0%-29.6pp |
| Annual return | 26.86% | 63.66%-36.8pp | 36.35%-9.5pp | 302.95%-276.1pp |
| Employer contribution / active EE | $1,641 | $5,042-67.4% | $3,705-55.7% | $4,762-65.5% |
| Participant deferral / active EE | $1,318 | $4,093-67.8% | $3,500-62.3% | $5,983-78.0% |
| Admin fee / account holder | $2,904 | $8,719-66.7% | $6,685-56.6% | $11,250-74.2% |