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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 | $11,835 | $43,496-72.8% | $161,489-92.7% | $64,340-81.6% |
| Participation rate | 33.1% | 53.5%-20.5pp | 78.7%-45.6pp | 55.2%-22.2pp |
| Annual return | 12.48% | 20.76%-8.3pp | 89.72%-77.2pp | 24.14%-11.7pp |
| Employer contribution / active EE | $816 | $1,431-42.9% | $4,268-80.9% | $1,862-56.1% |
| Participant deferral / active EE | $1,395 | $1,996-30.1% | $5,630-75.2% | $2,980-53.2% |
| Admin fee / account holder | $13,208 | $2,330+466.8% | $16,006-17.5% | $3,703+256.7% |