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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 | $11,963 | $178,174-93.3% | $156,181-92.3% | $137,256-91.3% |
| Participation rate | 66.7% | 82.0%-15.4pp | 78.8%-12.2pp | 80.0%-13.3pp |
| Annual return | 22.42% | 84.19%-61.8pp | 64.87%-42.5pp | 220.34%-197.9pp |
| Employer contribution / active EE | $1,147 | $4,972-76.9% | $4,294-73.3% | $4,156-72.4% |
| Participant deferral / active EE | $2,240 | $6,888-67.5% | $6,132-63.5% | $6,407-65.0% |
| Admin fee / account holder | $1,126 | $17,404-93.5% | $14,586-92.3% | $12,270-90.8% |