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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 | $9,242 | $103,000-91.0% | $90,300-89.8% | $152,885-94.0% |
| Participation rate | 66.7% | 75.9%-9.2pp | 73.3%-6.6pp | 82.5%-15.8pp |
| Annual return | 13.20% | 95.19%-82.0pp | 78.11%-64.9pp | 345.39%-332.2pp |
| Employer contribution / active EE | $878 | $3,138-72.0% | $2,854-69.2% | $4,763-81.6% |
| Participant deferral / active EE | $1,072 | $4,281-75.0% | $3,884-72.4% | $5,851-81.7% |
| Admin fee / account holder | $17,620 | $6,173+185.4% | $5,353+229.2% | $11,598+51.9% |