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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 | $10,254 | $211,224-95.1% | $178,505-94.3% | $145,897-93.0% |
| Participation rate | 40.0% | 80.8%-40.8pp | 77.1%-37.1pp | 80.3%-40.3pp |
| Annual return | 13.03% | 30.28%-17.3pp | 27.16%-14.1pp | 552.29%-539.3pp |
| Employer contribution / active EE | $651 | $4,577-85.8% | $3,955-83.5% | $4,663-86.0% |
| Participant deferral / active EE | $2,250 | $6,966-67.7% | $6,280-64.2% | $6,689-66.4% |
| Admin fee / account holder | $4,060 | $12,109-66.5% | $10,428-61.1% | $13,390-69.7% |