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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 | $31,984 | $88,203-63.7% | $165,100-80.6% | $74,478-57.1% |
| Participation rate | 54.0% | 73.1%-19.1pp | 78.6%-24.6pp | 67.2%-13.2pp |
| Annual return | 24.70% | 17.13%+7.6pp | 70.21%-45.5pp | 1370.56%-1345.9pp |
| Employer contribution / active EE | $1,242 | $2,601-52.2% | $4,348-71.4% | $2,626-52.7% |
| Participant deferral / active EE | $3,084 | $4,505-31.5% | $6,035-48.9% | $4,350-29.1% |
| Admin fee / account holder | $1,063 | $2,235-52.4% | $12,696-91.6% | $1,946-45.4% |