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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 | $14,492 | $88,672-83.7% | $105,223-86.2% | $82,448-82.4% |
| Participation rate | 40.0% | 67.9%-27.9pp | 75.0%-35.0pp | 68.1%-28.1pp |
| Annual return | 24.69% | 30.86%-6.2pp | 180.65%-156.0pp | 41.64%-16.9pp |
| Employer contribution / active EE | $1,051 | $3,048-65.5% | $3,689-71.5% | $2,551-58.8% |
| Participant deferral / active EE | $1,844 | $4,036-54.3% | $5,072-63.6% | $4,139-55.5% |
| Admin fee / account holder | $1,067 | $7,146-85.1% | $8,859-88.0% | $7,234-85.3% |