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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 | $15,594 | $85,766-81.8% | $136,298-88.6% | $70,126-77.8% |
| Participation rate | 57.5% | 74.2%-16.7pp | 81.9%-24.5pp | 69.5%-12.1pp |
| Annual return | 17.42% | 31.46%-14.0pp | 5156.27%-5138.9pp | 73.15%-55.7pp |
| Employer contribution / active EE | $869 | $2,966-70.7% | $4,696-81.5% | $2,343-62.9% |
| Participant deferral / active EE | $2,559 | $5,051-49.3% | $6,247-59.0% | $3,332-23.2% |
| Admin fee / account holder | $792 | $5,421-85.4% | $9,244-91.4% | $4,645-83.0% |