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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 | $10,448 | $105,864-90.1% | $90,162-88.4% | $147,585-92.9% |
| Participation rate | 45.5% | 79.7%-34.3pp | 76.9%-31.4pp | 82.8%-37.4pp |
| Annual return | 14.03% | 37.63%-23.6pp | 34.88%-20.8pp | 578.57%-564.5pp |
| Employer contribution / active EE | $1,905 | $4,126-53.8% | $3,318-42.6% | $4,876-60.9% |
| Participant deferral / active EE | $2,603 | $5,733-54.6% | $5,287-50.8% | $5,439-52.1% |
| Admin fee / account holder | $1,149 | $8,046-85.7% | $5,943-80.7% | $10,885-89.4% |