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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 | $20,002 | $154,209-87.0% | $130,062-84.6% | $139,487-85.7% |
| Participation rate | 42.9% | 82.0%-39.1pp | 78.5%-35.6pp | 80.3%-37.5pp |
| Annual return | 23.36% | 32.52%-9.2pp | -137.37%+160.7pp | 373.84%-350.5pp |
| Employer contribution / active EE | $1,132 | $5,292-78.6% | $4,322-73.8% | $4,755-76.2% |
| Participant deferral / active EE | $3,385 | $6,709-49.5% | $5,821-41.8% | $6,713-49.6% |
| Admin fee / account holder | $956 | $13,988-93.2% | $10,601-91.0% | $11,407-91.6% |