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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 | $22,258 | $85,766-74.0% | $136,298-83.7% | $70,126-68.3% |
| Participation rate | 27.8% | 74.2%-46.4pp | 81.9%-54.1pp | 69.5%-41.8pp |
| Annual return | 24.91% | 31.46%-6.5pp | 5156.27%-5131.4pp | 73.15%-48.2pp |
| Employer contribution / active EE | $1,294 | $2,966-56.4% | $4,696-72.4% | $2,343-44.7% |
| Participant deferral / active EE | $3,411 | $5,051-32.5% | $6,247-45.4% | $3,332+2.4% |
| Admin fee / account holder | $1,023 | $5,421-81.1% | $9,244-88.9% | $4,645-78.0% |