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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 | $34,023 | $88,137-61.4% | $164,975-79.4% | $74,429-54.3% |
| Participation rate | 45.2% | 73.1%-27.9pp | 78.6%-33.4pp | 67.2%-22.0pp |
| Annual return | 12.32% | 17.13%-4.8pp | 70.12%-57.8pp | 1368.38%-1356.1pp |
| Employer contribution / active EE | $1,742 | $2,597-32.9% | $4,343-59.9% | $2,625-33.6% |
| Participant deferral / active EE | $3,286 | $4,501-27.0% | $6,033-45.5% | $4,348-24.4% |
| Admin fee / account holder | $4,304 | $2,231+92.9% | $12,688-66.1% | $1,944+121.4% |