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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 | $15,152 | $77,164-80.4% | $178,014-91.5% | $80,874-81.3% |
| Participation rate | 63.0% | 65.7%-2.7pp | 77.1%-14.0pp | 67.6%-4.6pp |
| Annual return | 13.38% | 18.09%-4.7pp | 294.80%-281.4pp | 35.62%-22.2pp |
| Employer contribution / active EE | $1,641 | $2,288-28.3% | $3,950-58.5% | $2,756-40.5% |
| Participant deferral / active EE | $2,901 | $4,408-34.2% | $6,276-53.8% | $4,297-32.5% |
| Admin fee / account holder | $1,225 | $7,164-82.9% | $10,362-88.2% | $6,935-82.3% |