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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 | $18,047 | $157,304-88.5% | $141,197-87.2% | $152,909-88.2% |
| Participation rate | 62.5% | 84.8%-22.3pp | 82.5%-20.0pp | 82.5%-20.0pp |
| Annual return | 25.12% | 64.34%-39.2pp | 71.41%-46.3pp | 345.46%-320.3pp |
| Employer contribution / active EE | $2,209 | $5,263-58.0% | $4,736-53.4% | $4,764-53.6% |
| Participant deferral / active EE | $5,051 | $7,111-29.0% | $6,710-24.7% | $5,851-13.7% |
| Admin fee / account holder | $5,561 | $12,126-54.1% | $10,265-45.8% | $11,601-52.1% |