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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 | $10,416 | $52,507-80.2% | $129,406-92.0% | $74,478-86.0% |
| Participation rate | 54.2% | 53.9%+0.3pp | 69.6%-15.5pp | 67.2%-13.0pp |
| Annual return | 11.84% | 15.64%-3.8pp | 9468.18%-9456.3pp | 1370.56%-1358.7pp |
| Employer contribution / active EE | $741 | $1,534-51.7% | $4,155-82.2% | $2,626-71.8% |
| Participant deferral / active EE | $923 | $2,801-67.0% | $4,167-77.8% | $4,350-78.8% |
| Admin fee / account holder | $1,356 | $2,639-48.6% | $7,689-82.4% | $1,946-30.3% |