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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 | $19,949 | $58,493-65.9% | $84,021-76.3% | $72,975-72.7% |
| Participation rate | 28.6% | 61.2%-32.7pp | 69.0%-40.4pp | 69.5%-40.9pp |
| Annual return | 35.64% | 28.93%+6.7pp | 71.32%-35.7pp | 81.01%-45.4pp |
| Employer contribution / active EE | $632 | $1,163-45.7% | $1,984-68.1% | $2,440-74.1% |
| Participant deferral / active EE | $1,517 | $2,394-36.6% | $3,239-53.2% | $3,608-58.0% |
| Admin fee / account holder | $1,056 | $4,569-76.9% | $6,102-82.7% | $5,124-79.4% |