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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 | $10,852 | $103,393-89.5% | $87,103-87.5% | $152,909-92.9% |
| Participation rate | 50.0% | 79.4%-29.4pp | 76.9%-26.9pp | 82.5%-32.5pp |
| Annual return | 38.05% | 28.10%+9.9pp | 28.19%+9.9pp | 345.46%-307.4pp |
| Employer contribution / active EE | $1,628 | $3,221-49.4% | $2,521-35.4% | $4,764-65.8% |
| Participant deferral / active EE | $2,345 | $4,778-50.9% | $4,049-42.1% | $5,851-59.9% |
| Admin fee / account holder | $2,025 | $12,195-83.4% | $7,491-73.0% | $11,601-82.5% |