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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 | $9,802 | $91,194-89.3% | $178,486-94.5% | $79,860-87.7% |
| Participation rate | 55.0% | 69.2%-14.2pp | 81.9%-26.9pp | 69.6%-14.6pp |
| Annual return | 29.06% | 24.19%+4.9pp | 151.08%-122.0pp | 31.72%-2.7pp |
| Employer contribution / active EE | $0 | $3,256-100.0% | $5,011-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,775 | $3,236-14.2% | $5,202-46.6% | $3,740-25.8% |
| Admin fee / account holder | $3,112 | $6,751-53.9% | $13,985-77.7% | $5,306-41.4% |