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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 | $10,624 | $73,787-85.6% | $98,716-89.2% | $82,448-87.1% |
| Participation rate | 52.1% | 61.4%-9.4pp | 69.3%-17.2pp | 68.1%-16.0pp |
| Annual return | 18.31% | 18.57%-0.3pp | 31.81%-13.5pp | 41.64%-23.3pp |
| Employer contribution / active EE | $717 | $1,511-52.5% | $2,279-68.5% | $2,551-71.9% |
| Participant deferral / active EE | $1,268 | $3,081-58.8% | $4,048-68.7% | $4,139-69.4% |
| Admin fee / account holder | $444 | $6,500-93.2% | $8,703-94.9% | $7,234-93.9% |