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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 | $21,721 | $65,034-66.6% | $90,970-76.1% | $79,856-72.8% |
| Participation rate | 53.4% | 61.6%-8.2pp | 69.0%-15.6pp | 69.6%-16.2pp |
| Annual return | 17.59% | 30.45%-12.9pp | 134.60%-117.0pp | 31.71%-14.1pp |
| Employer contribution / active EE | $524 | $1,247-58.0% | $2,122-75.3% | $2,471-78.8% |
| Participant deferral / active EE | $2,316 | $2,512-7.8% | $3,373-31.3% | $3,741-38.1% |
| Admin fee / account holder | $592 | $4,536-86.9% | $5,961-90.1% | $5,306-88.8% |