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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 | $13,527 | $91,559-85.2% | $133,978-89.9% | $79,856-83.1% |
| Participation rate | 67.1% | 73.3%-6.2pp | 79.8%-12.7pp | 69.6%-2.5pp |
| Annual return | 14.81% | 61.85%-47.0pp | 45.10%-30.3pp | 31.71%-16.9pp |
| Employer contribution / active EE | $1,242 | $2,384-47.9% | $3,919-68.3% | $2,471-49.7% |
| Participant deferral / active EE | $2,272 | $3,734-39.1% | $5,047-55.0% | $3,741-39.3% |
| Admin fee / account holder | $525 | $6,321-91.7% | $8,930-94.1% | $5,306-90.1% |