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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 | $26,779 | $81,208-67.0% | $98,920-72.9% | $79,856-66.5% |
| Participation rate | 48.4% | 72.5%-24.1pp | 76.0%-27.6pp | 69.6%-21.3pp |
| Annual return | 12.96% | 60.99%-48.0pp | 196.47%-183.5pp | 31.71%-18.8pp |
| Employer contribution / active EE | $805 | $1,960-58.9% | $2,689-70.1% | $2,471-67.4% |
| Participant deferral / active EE | $2,958 | $3,265-9.4% | $4,245-30.3% | $3,741-20.9% |
| Admin fee / account holder | $304 | $6,013-94.9% | $6,643-95.4% | $5,306-94.3% |