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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 | $3,899 | $51,642-92.4% | $129,384-97.0% | $80,935-95.2% |
| Participation rate | 25.5% | 56.9%-31.5pp | 69.6%-44.2pp | 67.7%-42.2pp |
| Annual return | 40.42% | 20.78%+19.6pp | 9461.77%-9421.4pp | 35.66%+4.8pp |
| Employer contribution / active EE | $0 | $1,583-100.0% | $4,153-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $947 | $2,670-64.5% | $4,166-77.3% | $4,299-78.0% |
| Admin fee / account holder | $576 | $4,312-86.6% | $7,686-92.5% | $6,924-91.7% |