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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 | $10,941 | $129,737-91.6% | $119,126-90.8% | $154,746-92.9% |
| Participation rate | 46.2% | 78.9%-32.7pp | 75.8%-29.6pp | 80.7%-34.5pp |
| Annual return | 19.58% | 379.08%-359.5pp | 282.11%-262.5pp | 172.34%-152.8pp |
| Employer contribution / active EE | $2,241 | $4,375-48.8% | $4,034-44.4% | $4,379-48.8% |
| Participant deferral / active EE | $3,180 | $5,842-45.6% | $5,318-40.2% | $6,730-52.7% |
| Admin fee / account holder | $836 | $11,961-93.0% | $10,693-92.2% | $14,365-94.2% |