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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 | $22,621 | $91,559-75.3% | $133,978-83.1% | $79,856-71.7% |
| Participation rate | 63.0% | 73.3%-10.4pp | 79.8%-16.9pp | 69.6%-6.7pp |
| Annual return | 18.59% | 61.85%-43.3pp | 45.10%-26.5pp | 31.71%-13.1pp |
| Employer contribution / active EE | $754 | $2,384-68.4% | $3,919-80.8% | $2,471-69.5% |
| Participant deferral / active EE | $2,294 | $3,734-38.6% | $5,047-54.6% | $3,741-38.7% |
| Admin fee / account holder | $659 | $6,321-89.6% | $8,930-92.6% | $5,306-87.6% |