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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 | $35,210 | $88,203-60.1% | $165,100-78.7% | $74,478-52.7% |
| Participation rate | 47.1% | 73.1%-26.1pp | 78.6%-31.6pp | 67.2%-20.2pp |
| Annual return | 20.47% | 17.13%+3.3pp | 70.21%-49.7pp | 1370.56%-1350.1pp |
| Employer contribution / active EE | $2,916 | $2,601+12.1% | $4,348-32.9% | $2,626+11.0% |
| Participant deferral / active EE | $5,029 | $4,505+11.6% | $6,035-16.7% | $4,350+15.6% |
| Admin fee / account holder | $36,929 | $2,235+1552.3% | $12,696+190.9% | $1,946+1797.9% |