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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 | $25,972 | $81,208-68.0% | $98,920-73.7% | $79,852-67.5% |
| Participation rate | 59.5% | 72.5%-13.0pp | 76.0%-16.6pp | 69.6%-10.2pp |
| Annual return | 10.61% | 60.99%-50.4pp | 196.47%-185.9pp | 31.72%-21.1pp |
| Employer contribution / active EE | $1,150 | $1,960-41.3% | $2,689-57.2% | $2,471-53.5% |
| Participant deferral / active EE | $2,151 | $3,265-34.1% | $4,245-49.3% | $3,740-42.5% |
| Admin fee / account holder | $3,298 | $6,013-45.2% | $6,643-50.4% | $5,306-37.9% |