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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 | $20,045 | $98,776-79.7% | $149,745-86.6% | $79,856-74.9% |
| Participation rate | 60.6% | 75.8%-15.2pp | 82.5%-21.9pp | 69.6%-9.0pp |
| Annual return | 48.53% | 27.38%+21.2pp | 276.72%-228.2pp | 31.71%+16.8pp |
| Employer contribution / active EE | $2,008 | $3,217-37.6% | $4,646-56.8% | $2,471-18.8% |
| Participant deferral / active EE | $4,885 | $5,681-14.0% | $6,843-28.6% | $3,741+30.6% |
| Admin fee / account holder | $866 | $6,053-85.7% | $9,312-90.7% | $5,306-83.7% |