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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 | $15,195 | $59,535-74.5% | $90,161-83.1% | $62,293-75.6% |
| Participation rate | 54.9% | 73.0%-18.2pp | 76.9%-22.0pp | 69.5%-14.6pp |
| Annual return | 22.90% | 23.53%-0.6pp | 34.89%-12.0pp | 28.90%-6.0pp |
| Employer contribution / active EE | $929 | $1,826-49.1% | $3,318-72.0% | $2,042-54.5% |
| Participant deferral / active EE | $3,169 | $4,639-31.7% | $5,287-40.1% | $3,1690% |
| Admin fee / account holder | $1,230 | $337+265.3% | $5,943-79.3% | $479+156.6% |