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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 | $14,264 | $183,592-92.2% | $155,567-90.8% | $145,959-90.2% |
| Participation rate | 68.2% | 82.7%-14.5pp | 78.2%-10.0pp | 80.3%-12.1pp |
| Annual return | 17.58% | 61.24%-43.7pp | 64.74%-47.2pp | 561.95%-544.4pp |
| Employer contribution / active EE | $1,083 | $5,315-79.6% | $4,674-76.8% | $4,661-76.8% |
| Participant deferral / active EE | $2,802 | $6,464-56.7% | $5,628-50.2% | $6,689-58.1% |
| Admin fee / account holder | $1,556 | $19,318-91.9% | $15,916-90.2% | $13,398-88.4% |