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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 | $27,486 | $162,821-83.1% | $133,978-79.5% | $158,982-82.7% |
| Participation rate | 64.7% | 83.2%-18.5pp | 79.8%-15.1pp | 82.0%-17.3pp |
| Annual return | 13.42% | 41.95%-28.5pp | 45.10%-31.7pp | 302.99%-289.6pp |
| Employer contribution / active EE | $0 | $4,976-100.0% | $3,919-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $2,743 | $5,910-53.6% | $5,047-45.7% | $5,983-54.2% |
| Admin fee / account holder | $2,654 | $11,742-77.4% | $8,930-70.3% | $11,252-76.4% |