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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 | $12,486 | $55,470-77.5% | $155,556-92.0% | $74,478-83.2% |
| Participation rate | 56.6% | 61.9%-5.4pp | 78.2%-21.7pp | 67.2%-10.7pp |
| Annual return | 16.29% | 269.80%-253.5pp | 64.84%-48.5pp | 1370.56%-1354.3pp |
| Employer contribution / active EE | $1,235 | $2,267-45.5% | $4,675-73.6% | $2,626-53.0% |
| Participant deferral / active EE | $1,806 | $2,838-36.4% | $5,631-67.9% | $4,350-58.5% |
| Admin fee / account holder | $1,302 | $1,744-25.3% | $15,885-91.8% | $1,946-33.1% |