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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 | $15,561 | $102,429-84.8% | $147,096-89.4% | $80,925-80.8% |
| Participation rate | 45.7% | 75.9%-30.1pp | 82.2%-36.5pp | 67.7%-21.9pp |
| Annual return | 25.68% | 135.02%-109.3pp | 419.75%-394.1pp | 35.65%-10.0pp |
| Employer contribution / active EE | $1,820 | $3,716-51.0% | $4,936-63.1% | $2,756-34.0% |
| Participant deferral / active EE | $3,917 | $6,649-41.1% | $8,071-51.5% | $4,299-8.9% |
| Admin fee / account holder | $580 | $7,957-92.7% | $13,005-95.5% | $6,940-91.6% |