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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 | $15,781 | $65,555-75.9% | $86,216-81.7% | $75,173-79.0% |
| Participation rate | 36.1% | 60.5%-24.4pp | 69.0%-32.9pp | 67.2%-31.1pp |
| Annual return | 18.08% | 46.07%-28.0pp | 1169.42%-1151.3pp | 160.72%-142.6pp |
| Employer contribution / active EE | $454 | $1,553-70.8% | $2,382-81.0% | $2,671-83.0% |
| Participant deferral / active EE | $1,549 | $3,023-48.8% | $3,986-61.1% | $4,126-62.5% |
| Admin fee / account holder | $309 | $5,469-94.3% | $6,853-95.5% | $5,651-94.5% |