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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 | $27,716 | $125,797-78.0% | $170,043-83.7% | $75,173-63.1% |
| Participation rate | 64.5% | 83.6%-19.1pp | 87.0%-22.5pp | 67.2%-2.7pp |
| Annual return | 22.26% | 27.20%-4.9pp | 53.40%-31.1pp | 160.72%-138.5pp |
| Employer contribution / active EE | $9,700 | $4,616+110.1% | $6,790+42.9% | $2,671+263.2% |
| Participant deferral / active EE | $18,460 | $6,838+170.0% | $10,410+77.3% | $4,126+347.4% |
| Admin fee / account holder | $11,878 | $8,177+45.3% | $12,824-7.4% | $5,651+110.2% |