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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 | $12,456 | $69,590-82.1% | $136,867-90.9% | $94,015-86.8% |
| Participation rate | 43.5% | 66.3%-22.8pp | 74.5%-31.1pp | 70.8%-27.3pp |
| Annual return | 13.70% | 19.62%-5.9pp | 42.97%-29.3pp | 17.84%-4.1pp |
| Employer contribution / active EE | $960 | $2,396-59.9% | $3,547-72.9% | $2,790-65.6% |
| Participant deferral / active EE | $1,389 | $3,437-59.6% | $4,924-71.8% | $4,249-67.3% |
| Admin fee / account holder | $9,494 | $8,912+6.5% | $10,340-8.2% | $8,951+6.1% |