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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 | $14,016 | $56,894-75.4% | $84,753-83.5% | $62,881-77.7% |
| Participation rate | 44.9% | 68.5%-23.6pp | 76.6%-31.7pp | 69.3%-24.4pp |
| Annual return | 17.75% | 6.30%+11.4pp | 22.78%-5.0pp | 20.14%-2.4pp |
| Employer contribution / active EE | $805 | $2,400-66.5% | $3,574-77.5% | $2,281-64.7% |
| Participant deferral / active EE | $1,263 | $2,709-53.4% | $3,712-66.0% | $3,203-60.6% |
| Admin fee / account holder | $526 | $3,581-85.3% | $5,333-90.1% | $4,296-87.8% |