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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 | $4,586 | $73,978-93.8% | $96,515-95.2% | $75,173-93.9% |
| Participation rate | 67.6% | 66.4%+1.2pp | 74.3%-6.7pp | 67.2%+0.4pp |
| Annual return | 71.73% | 26.72%+45.0pp | 35.73%+36.0pp | 160.72%-89.0pp |
| Employer contribution / active EE | $2,582 | $2,931-11.9% | $3,740-30.9% | $2,671-3.3% |
| Participant deferral / active EE | $2,386 | $3,660-34.8% | $4,880-51.1% | $4,126-42.2% |
| Admin fee / account holder | $1,836 | $5,219-64.8% | $6,735-72.7% | $5,651-67.5% |