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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 | $5,701 | $192,829-97.0% | $142,516-96.0% | $139,466-95.9% |
| Participation rate | 33.3% | 81.4%-48.1pp | 76.8%-43.4pp | 80.3%-47.0pp |
| Annual return | 13.14% | 17.99%-4.9pp | 19.99%-6.9pp | 373.66%-360.5pp |
| Employer contribution / active EE | $3,981 | $5,808-31.5% | $4,849-17.9% | $4,754-16.3% |
| Participant deferral / active EE | $6,760 | $7,200-6.1% | $6,280+7.7% | $6,712+0.7% |
| Admin fee / account holder | $300,908 | $15,120+1890.1% | $10,008+2906.6% | $11,409+2537.5% |