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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 | $12,859 | $88,672-85.5% | $105,223-87.8% | $82,448-84.4% |
| Participation rate | 53.7% | 67.9%-14.2pp | 75.0%-21.4pp | 68.1%-14.4pp |
| Annual return | 28.40% | 30.86%-2.5pp | 180.65%-152.3pp | 41.64%-13.2pp |
| Employer contribution / active EE | $1,035 | $3,048-66.0% | $3,689-71.9% | $2,551-59.4% |
| Participant deferral / active EE | $2,100 | $4,036-48.0% | $5,072-58.6% | $4,139-49.3% |
| Admin fee / account holder | $1,077 | $7,146-84.9% | $8,859-87.8% | $7,234-85.1% |