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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 | $17,270 | $102,422-83.1% | $147,117-88.3% | $80,959-78.7% |
| Participation rate | 67.1% | 75.9%-8.7pp | 82.2%-15.0pp | 67.7%-0.5pp |
| Annual return | 12.09% | 135.16%-123.1pp | 420.54%-408.4pp | 35.67%-23.6pp |
| Employer contribution / active EE | $1,531 | $3,717-58.8% | $4,932-69.0% | $2,757-44.5% |
| Participant deferral / active EE | $3,722 | $6,652-44.0% | $8,065-53.8% | $4,300-13.4% |
| Admin fee / account holder | $1,190 | $7,953-85.0% | $12,993-90.8% | $6,925-82.8% |