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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 | $27,065 | $88,203-69.3% | $165,100-83.6% | $74,478-63.7% |
| Participation rate | 48.7% | 73.1%-24.4pp | 78.6%-29.9pp | 67.2%-18.5pp |
| Annual return | 13.73% | 17.13%-3.4pp | 70.21%-56.5pp | 1370.56%-1356.8pp |
| Employer contribution / active EE | $1,336 | $2,601-48.6% | $4,348-69.3% | $2,626-49.1% |
| Participant deferral / active EE | $2,361 | $4,505-47.6% | $6,035-60.9% | $4,350-45.7% |
| Admin fee / account holder | $3,073 | $2,235+37.5% | $12,696-75.8% | $1,946+57.9% |