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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 | $9,817 | $115,903-91.5% | $100,528-90.2% | $158,966-93.8% |
| Participation rate | 60.0% | 81.6%-21.6pp | 79.4%-19.4pp | 82.0%-22.0pp |
| Annual return | 0.00% | 34.80%-34.8pp | 30.90%-30.9pp | 302.95%-302.9pp |
| Employer contribution / active EE | $4,255 | $4,105+3.7% | $3,419+24.5% | $4,762-10.6% |
| Participant deferral / active EE | $9,839 | $6,677+47.4% | $6,271+56.9% | $5,983+64.5% |
| Admin fee / account holder | $466 | $11,000-95.8% | $8,084-94.2% | $11,250-95.9% |