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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 | $17,904 | $58,493-69.4% | $84,021-78.7% | $72,975-75.5% |
| Participation rate | 35.3% | 61.2%-25.9pp | 69.0%-33.7pp | 69.5%-34.2pp |
| Annual return | 25.65% | 28.93%-3.3pp | 71.32%-45.7pp | 81.01%-55.4pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,596 | $2,394-33.3% | $3,239-50.7% | $3,608-55.8% |
| Admin fee / account holder | $1,674 | $4,569-63.4% | $6,102-72.6% | $5,124-67.3% |