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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 | $19,611 | $70,002-72.0% | $115,037-83.0% | $52,331-62.5% |
| Participation rate | 62.3% | 72.1%-9.8pp | 81.4%-19.1pp | 68.1%-5.8pp |
| Annual return | 28.77% | 4.04%+24.7pp | 26.14%+2.6pp | 4.54%+24.2pp |
| Employer contribution / active EE | $0 | $2,715-100.0% | $4,608-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $8,717 | $4,920+77.2% | $6,026+44.7% | $3,022+188.4% |
| Admin fee / account holder | $1,281 | $566+126.3% | $8,175-84.3% | $592+116.5% |