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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 | $17,532 | $53,165-67.0% | $86,235-79.7% | $74,473-76.5% |
| Participation rate | 27.0% | 64.9%-37.8pp | 69.0%-41.9pp | 70.7%-43.7pp |
| Annual return | 18.60% | 22.64%-4.0pp | 1170.03%-1151.4pp | 34.36%-15.8pp |
| Employer contribution / active EE | $0 | $1,210-100.0% | $2,381-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $1,899 | $3,234-41.3% | $3,987-52.4% | $4,530-58.1% |
| Admin fee / account holder | $782 | $551+41.8% | $6,856-88.6% | $347+125.4% |