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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 | $5,168 | $62,672-91.8% | $185,117-97.2% | $70,126-92.6% |
| Participation rate | 51.9% | 63.8%-11.9pp | 77.3%-25.4pp | 69.5%-17.7pp |
| Annual return | 17.17% | 40.79%-23.6pp | 40.50%-23.3pp | 73.15%-56.0pp |
| Employer contribution / active EE | $0 | $1,753-100.0% | $4,182-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $5,631 | $3,272+72.1% | $5,045+11.6% | $3,332+69.0% |
| Admin fee / account holder | $1,633 | $3,932-58.5% | $8,159-80.0% | $4,645-64.8% |