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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 | $25,646 | $67,602-62.1% | $82,312-68.8% | $70,126-63.4% |
| Participation rate | 54.5% | 72.8%-18.2pp | 76.9%-22.3pp | 69.5%-15.0pp |
| Annual return | 12.67% | 21.57%-8.9pp | 25.88%-13.2pp | 73.15%-60.5pp |
| Employer contribution / active EE | $551 | $1,755-68.6% | $2,428-77.3% | $2,343-76.5% |
| Participant deferral / active EE | $3,112 | $2,987+4.2% | $3,706-16.0% | $3,332-6.6% |
| Admin fee / account holder | $2,654 | $4,512-41.2% | $5,608-52.7% | $4,645-42.9% |