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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 | $16,491 | $50,385-67.3% | $75,501-78.2% | $62,293-73.5% |
| Participation rate | 45.4% | 67.7%-22.3pp | 72.4%-27.0pp | 69.5%-24.1pp |
| Annual return | 24.74% | 19.90%+4.8pp | 27.35%-2.6pp | 28.90%-4.2pp |
| Employer contribution / active EE | $977 | $1,537-36.5% | $2,352-58.5% | $2,042-52.2% |
| Participant deferral / active EE | $1,450 | $2,445-40.7% | $3,142-53.9% | $3,169-54.3% |
| Admin fee / account holder | $636 | $384+65.6% | $5,801-89.0% | $479+32.7% |