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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 | $12,460 | $53,596-76.8% | $90,657-86.3% | $64,173-80.6% |
| Participation rate | 46.3% | 64.5%-18.2pp | 74.0%-27.7pp | 69.6%-23.2pp |
| Annual return | 98.54% | 4.41%+94.1pp | 1.89%+96.6pp | 7.63%+90.9pp |
| Employer contribution / active EE | $1,519 | $1,503+1.0% | $2,532-40.0% | $2,381-36.2% |
| Participant deferral / active EE | $2,147 | $2,459-12.7% | $3,424-37.3% | $3,470-38.1% |
| Admin fee / account holder | $16,803 | $3,868+334.4% | $4,994+236.4% | $4,887+243.8% |