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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 | $11,544 | $54,558-78.8% | $76,051-84.8% | $74,400-84.5% |
| Participation rate | 58.3% | 60.3%-2.0pp | 69.1%-10.8pp | 67.2%-9.0pp |
| Annual return | 15.87% | 31.83%-16.0pp | 360.42%-344.6pp | 1367.51%-1351.6pp |
| Employer contribution / active EE | $1,101 | $1,778-38.0% | $2,690-59.0% | $2,624-58.0% |
| Participant deferral / active EE | $1,982 | $3,065-35.3% | $4,257-53.5% | $4,348-54.4% |
| Admin fee / account holder | $4,845 | $2,232+117.1% | $6,416-24.5% | $1,944+149.3% |