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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 | $10,277 | $39,798-74.2% | $67,711-84.8% | $59,632-82.8% |
| Participation rate | 31.0% | 57.4%-26.3pp | 67.5%-36.5pp | 68.7%-37.6pp |
| Annual return | 26.90% | 89.94%-63.0pp | 25.41%+1.5pp | 2041.32%-2014.4pp |
| Employer contribution / active EE | $876 | $1,393-37.1% | $2,559-65.8% | $2,203-60.2% |
| Participant deferral / active EE | $1,234 | $2,335-47.1% | $3,585-65.6% | $3,192-61.3% |
| Admin fee / account holder | $462 | $3,212-85.6% | $4,255-89.1% | $4,297-89.2% |