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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 | $11,373 | $46,732-75.7% | $156,551-92.7% | $55,167-79.4% |
| Participation rate | 26.2% | 65.8%-39.6pp | 84.0%-57.8pp | 69.0%-42.8pp |
| Annual return | 8.26% | 17.72%-9.5pp | 32.23%-24.0pp | 169.23%-161.0pp |
| Employer contribution / active EE | $0 | $2,105-100.0% | $5,501-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $1,250 | $2,204-43.3% | $4,871-74.3% | $3,054-59.1% |
| Admin fee / account holder | $1,746 | $418+317.3% | $13,028-86.6% | $504+246.4% |