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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 | $24,896 | $98,766-74.8% | $149,730-83.4% | $79,852-68.8% |
| Participation rate | 25.4% | 75.8%-50.4pp | 82.5%-57.1pp | 69.6%-44.3pp |
| Annual return | 13.38% | 27.43%-14.0pp | 276.70%-263.3pp | 31.72%-18.3pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,645-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,693 | $5,681-52.6% | $6,843-60.6% | $3,740-28.0% |
| Admin fee / account holder | $13,707 | $6,052+126.5% | $9,310+47.2% | $5,306+158.3% |