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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 | $12,966 | $72,269-82.1% | $101,271-87.2% | $79,852-83.8% |
| Participation rate | 63.0% | 68.5%-5.4pp | 75.8%-12.8pp | 69.6%-6.6pp |
| Annual return | 19.07% | 22.29%-3.2pp | 46.48%-27.4pp | 31.72%-12.6pp |
| Employer contribution / active EE | $1,313 | $2,692-51.2% | $3,660-64.1% | $2,471-46.9% |
| Participant deferral / active EE | $2,034 | $3,282-38.0% | $4,371-53.5% | $3,740-45.6% |
| Admin fee / account holder | $699 | $4,401-84.1% | $5,948-88.3% | $5,306-86.8% |