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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 | $33,087 | $79,223-58.2% | $102,460-67.7% | $74,478-55.6% |
| Participation rate | 61.0% | 74.8%-13.7pp | 76.5%-15.5pp | 67.2%-6.2pp |
| Annual return | 12.38% | 54.98%-42.6pp | 29.47%-17.1pp | 1370.56%-1358.2pp |
| Employer contribution / active EE | $1,102 | $2,363-53.4% | $3,025-63.6% | $2,626-58.0% |
| Participant deferral / active EE | $3,469 | $4,417-21.5% | $5,056-31.4% | $4,350-20.2% |
| Admin fee / account holder | $1,437 | $2,003-28.2% | $9,460-84.8% | $1,946-26.1% |