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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 | $32,060 | $76,383-58.0% | $121,663-73.6% | $64,340-50.2% |
| Participation rate | 29.2% | 60.4%-31.3pp | 74.5%-45.3pp | 55.2%-26.1pp |
| Annual return | 12.17% | 16.98%-4.8pp | 147.54%-135.4pp | 24.14%-12.0pp |
| Employer contribution / active EE | $0 | $1,943-100.0% | $3,020-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,350 | $3,149-57.1% | $4,887-72.4% | $2,980-54.7% |
| Admin fee / account holder | $4,530 | $4,142+9.4% | $14,289-68.3% | $3,703+22.3% |