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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 | $21,512 | $78,705-72.7% | $117,857-81.7% | $70,131-69.3% |
| Participation rate | 51.9% | 73.2%-21.3pp | 79.7%-27.8pp | 69.5%-17.7pp |
| Annual return | 23.13% | 23.30%-0.2pp | 335.09%-312.0pp | 73.14%-50.0pp |
| Employer contribution / active EE | $1,416 | $2,223-36.3% | $3,786-62.6% | $2,342-39.6% |
| Participant deferral / active EE | $2,312 | $3,297-29.9% | $4,482-48.4% | $3,332-30.6% |
| Admin fee / account holder | $977 | $5,065-80.7% | $8,020-87.8% | $4,645-79.0% |