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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 | $21,606 | $65,703-67.1% | $94,228-77.1% | $59,633-63.8% |
| Participation rate | 30.6% | 72.1%-41.6pp | 78.8%-48.2pp | 68.7%-38.1pp |
| Annual return | 17.23% | 5.22%+12.0pp | 10.68%+6.5pp | 2041.40%-2024.2pp |
| Employer contribution / active EE | $615 | $2,021-69.6% | $3,587-82.9% | $2,203-72.1% |
| Participant deferral / active EE | $1,647 | $3,143-47.6% | $4,320-61.9% | $3,192-48.4% |
| Admin fee / account holder | $17,491 | $4,264+310.2% | $6,269+179.0% | $4,297+307.0% |