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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 | $5,879 | $76,371-92.3% | $93,621-93.7% | $72,976-91.9% |
| Participation rate | 44.4% | 71.8%-27.3pp | 75.8%-31.4pp | 69.5%-25.0pp |
| Annual return | 40.18% | 25.82%+14.4pp | 32.76%+7.4pp | 81.02%-40.8pp |
| Employer contribution / active EE | $0 | $2,276-100.0% | $2,719-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,545 | $3,538-28.1% | $4,070-37.5% | $3,608-29.5% |
| Admin fee / account holder | $1,334 | $6,839-80.5% | $7,890-83.1% | $5,124-74.0% |