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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 | $14,986 | $65,378-77.1% | $87,103-82.8% | $65,186-77.0% |
| Participation rate | 49.0% | 75.3%-26.3pp | 76.9%-27.9pp | 70.2%-21.2pp |
| Annual return | 24.36% | 31.28%-6.9pp | 28.19%-3.8pp | 29.39%-5.0pp |
| Employer contribution / active EE | $752 | $1,823-58.7% | $2,521-70.2% | $2,177-65.4% |
| Participant deferral / active EE | $1,642 | $3,389-51.5% | $4,049-59.4% | $3,514-53.3% |
| Admin fee / account holder | $1,720 | $520+230.9% | $7,491-77.0% | $847+103.0% |