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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 | $91,198-89.3% | $178,503-94.5% | $79,856-87.7% |
| Participation rate | 55.0% | 69.2%-14.2pp | 81.9%-26.9pp | 69.6%-14.6pp |
| Annual return | 29.06% | 24.20%+4.9pp | 151.12%-122.1pp | 31.71%-2.6pp |
| Employer contribution / active EE | $0 | $3,257-100.0% | $5,011-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,775 | $3,237-14.3% | $5,202-46.7% | $3,741-25.8% |
| Admin fee / account holder | $3,112 | $6,748-53.9% | $13,987-77.8% | $5,306-41.4% |