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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 | $32,909 | $79,209-58.5% | $102,434-67.9% | $74,459-55.8% |
| Participation rate | 33.6% | 74.8%-41.2pp | 76.5%-42.9pp | 67.2%-33.6pp |
| Annual return | 15.21% | 54.98%-39.8pp | 29.46%-14.3pp | 1369.70%-1354.5pp |
| Employer contribution / active EE | $1,561 | $2,362-33.9% | $3,023-48.4% | $2,626-40.6% |
| Participant deferral / active EE | $2,975 | $4,417-32.7% | $5,055-41.2% | $4,350-31.6% |
| Admin fee / account holder | $841 | $2,002-58.0% | $9,462-91.1% | $1,945-56.8% |