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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 | $13,703 | $153,311-91.1% | $109,313-87.5% | $273,972-95.0% |
| Participation rate | 46.7% | 80.1%-33.4pp | 71.3%-24.6pp | 83.0%-36.3pp |
| Annual return | 4.11% | 29.86%-25.8pp | 22.07%-18.0pp | 41.46%-37.3pp |
| Employer contribution / active EE | $839 | $5,619-85.1% | $3,892-78.4% | $4,869-82.8% |
| Participant deferral / active EE | $1,573 | $3,932-60.0% | $3,166-50.3% | $5,287-70.3% |
| Admin fee / account holder | $13,150 | $8,076+62.8% | $5,666+132.1% | $10,133+29.8% |