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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 | $12,022 | $98,760-87.8% | $149,715-92.0% | $79,858-84.9% |
| Participation rate | 45.2% | 75.8%-30.6pp | 82.5%-37.3pp | 69.6%-24.5pp |
| Annual return | 31.69% | 27.43%+4.3pp | 276.66%-245.0pp | 31.72%0pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,645-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,285 | $5,681-42.2% | $6,842-52.0% | $3,740-12.2% |
| Admin fee / account holder | $2,846 | $6,053-53.0% | $9,310-69.4% | $5,306-46.4% |