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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 | $22,084 | $209,336-89.5% | $197,124-88.8% | $137,256-83.9% |
| Participation rate | 50.0% | 87.3%-37.3pp | 86.7%-36.7pp | 80.0%-30.0pp |
| Annual return | 18.42% | 48.09%-29.7pp | 44.34%-25.9pp | 220.34%-201.9pp |
| Employer contribution / active EE | $2,270 | $6,591-65.6% | $6,227-63.5% | $4,156-45.4% |
| Participant deferral / active EE | $3,133 | $9,614-67.4% | $9,135-65.7% | $6,407-51.1% |
| Admin fee / account holder | $7,653 | $17,308-55.8% | $16,298-53.0% | $12,270-37.6% |