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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 | $22,077 | $215,361-89.7% | $171,082-87.1% | $273,972-91.9% |
| Participation rate | 56.3% | 82.0%-25.8pp | 76.7%-20.4pp | 83.0%-26.8pp |
| Annual return | 11.69% | 25.14%-13.4pp | 32.56%-20.9pp | 41.46%-29.8pp |
| Employer contribution / active EE | $0 | $4,967-100.0% | $4,002-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $4,035 | $5,543-27.2% | $4,797-15.9% | $5,287-23.7% |
| Admin fee / account holder | $16,994 | $10,846+56.7% | $8,520+99.5% | $10,133+67.7% |