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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 | $88,087-60.0% | $164,866-78.6% | $74,546-52.8% |
| Participation rate | 47.1% | 73.1%-26.0pp | 78.6%-31.5pp | 67.2%-20.2pp |
| Annual return | 20.47% | 17.27%+3.2pp | 69.97%-49.5pp | 1366.03%-1345.6pp |
| Employer contribution / active EE | $2,916 | $2,595+12.4% | $4,343-32.9% | $2,624+11.1% |
| Participant deferral / active EE | $5,029 | $4,499+11.8% | $6,033-16.6% | $4,347+15.7% |
| Admin fee / account holder | $36,929 | $2,232+1554.8% | $12,689+191.0% | $1,944+1800.1% |