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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 | $24,572 | $67,602-63.7% | $82,312-70.1% | $70,126-65.0% |
| Participation rate | 50.0% | 72.8%-22.8pp | 76.9%-26.9pp | 69.5%-19.5pp |
| Annual return | 17.46% | 21.57%-4.1pp | 25.88%-8.4pp | 73.15%-55.7pp |
| Employer contribution / active EE | $753 | $1,755-57.1% | $2,428-69.0% | $2,343-67.8% |
| Participant deferral / active EE | $1,402 | $2,987-53.1% | $3,706-62.2% | $3,332-57.9% |
| Admin fee / account holder | $574 | $4,512-87.3% | $5,608-89.8% | $4,645-87.6% |