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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 | $21,118 | $58,828-64.1% | $78,002-72.9% | $62,881-66.4% |
| Participation rate | 48.8% | 71.1%-22.3pp | 75.5%-26.7pp | 69.3%-20.5pp |
| Annual return | 40.03% | 17.16%+22.9pp | 425.99%-386.0pp | 20.14%+19.9pp |
| Employer contribution / active EE | $0 | $1,672-100.0% | $2,470-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,654 | $2,686-38.4% | $3,497-52.7% | $3,203-48.4% |
| Admin fee / account holder | $1,553 | $4,393-64.7% | $5,481-71.7% | $4,296-63.9% |