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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 | $18,855 | $127,779-85.2% | $106,551-82.3% | $167,518-88.7% |
| Participation rate | 33.3% | 78.3%-44.9pp | 76.1%-42.8pp | 82.1%-48.8pp |
| Annual return | 17.05% | 33.87%-16.8pp | 26.80%-9.8pp | 478.71%-461.7pp |
| Employer contribution / active EE | $702 | $3,427-79.5% | $2,819-75.1% | $4,838-85.5% |
| Participant deferral / active EE | $1,449 | $5,088-71.5% | $4,398-67.1% | $6,342-77.2% |
| Admin fee / account holder | $481 | $11,228-95.7% | $7,408-93.5% | $12,312-96.1% |