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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 | $4,704 | $37,446-87.4% | $77,552-93.9% | $79,856-94.1% |
| Participation rate | 25.6% | 41.5%-15.9pp | 54.2%-28.6pp | 69.6%-44.0pp |
| Annual return | 156.26% | 39.76%+116.5pp | 54.82%+101.4pp | 31.71%+124.5pp |
| Employer contribution / active EE | $0 | $637-100.0% | $987-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,000 | $1,261-20.7% | $1,861-46.3% | $3,741-73.3% |
| Admin fee / account holder | $304 | $2,506-87.9% | $2,859-89.4% | $5,306-94.3% |