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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 | $43,749-72.9% | $158,223-92.5% | $65,306-81.9% |
| Participation rate | 33.1% | 56.9%-23.8pp | 79.2%-46.1pp | 57.7%-24.6pp |
| Annual return | 12.48% | 19.41%-6.9pp | 52.09%-39.6pp | 21.94%-9.5pp |
| Employer contribution / active EE | $816 | $1,497-45.5% | $4,109-80.1% | $1,967-58.5% |
| Participant deferral / active EE | $1,395 | $2,019-30.9% | $5,467-74.5% | $2,959-52.9% |
| Admin fee / account holder | $13,208 | $1,930+584.3% | $16,047-17.7% | $3,480+279.5% |