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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 | $21,506 | $102,422-79.0% | $147,117-85.4% | $80,959-73.4% |
| Participation rate | 66.7% | 75.9%-9.2pp | 82.2%-15.5pp | 67.7%-1.0pp |
| Annual return | 12.09% | 135.16%-123.1pp | 420.54%-408.4pp | 35.67%-23.6pp |
| Employer contribution / active EE | $1,560 | $3,717-58.0% | $4,932-68.4% | $2,757-43.4% |
| Participant deferral / active EE | $2,757 | $6,652-58.6% | $8,065-65.8% | $4,300-35.9% |
| Admin fee / account holder | $3,304 | $7,953-58.5% | $12,993-74.6% | $6,925-52.3% |