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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 | $3,868 | $85,030-95.5% | $70,525-94.5% | $139,427-97.2% |
| Participation rate | 33.3% | 73.9%-40.6pp | 68.4%-35.0pp | 80.3%-47.0pp |
| Annual return | 25.88% | 30.35%-4.5pp | 32.76%-6.9pp | 373.27%-347.4pp |
| Employer contribution / active EE | $0 | $3,909-100.0% | $2,974-100.0% | $4,752-100.0% |
| Participant deferral / active EE | $3,654 | $5,891-38.0% | $4,567-20.0% | $6,711-45.5% |
| Admin fee / account holder | $437 | $8,908-95.1% | $6,413-93.2% | $11,404-96.2% |