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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 | $27,671 | $152,592-81.9% | $125,180-77.9% | $152,885-81.9% |
| Participation rate | 50.0% | 83.3%-33.3pp | 79.8%-29.8pp | 82.5%-32.5pp |
| Annual return | 12.19% | 54.84%-42.7pp | 43.79%-31.6pp | 345.39%-333.2pp |
| Employer contribution / active EE | $1,785 | $4,947-63.9% | $3,866-53.8% | $4,763-62.5% |
| Participant deferral / active EE | $4,608 | $5,868-21.5% | $4,937-6.7% | $5,851-21.2% |
| Admin fee / account holder | $56,043 | $13,435+317.2% | $9,703+477.6% | $11,598+383.2% |