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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 | $17,990 | $85,766-79.0% | $136,298-86.8% | $70,126-74.3% |
| Participation rate | 58.7% | 74.2%-15.4pp | 81.9%-23.2pp | 69.5%-10.8pp |
| Annual return | 23.55% | 31.46%-7.9pp | 5156.27%-5132.7pp | 73.15%-49.6pp |
| Employer contribution / active EE | $1,196 | $2,966-59.7% | $4,696-74.5% | $2,343-49.0% |
| Participant deferral / active EE | $2,356 | $5,051-53.4% | $6,247-62.3% | $3,332-29.3% |
| Admin fee / account holder | $1,407 | $5,421-74.1% | $9,244-84.8% | $4,645-69.7% |