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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 | $23,898 | $64,890-63.2% | $134,172-82.2% | $67,986-64.8% |
| Participation rate | 18.8% | 48.5%-29.8pp | 72.5%-53.7pp | 57.2%-38.4pp |
| Annual return | 32.73% | 16.12%+16.6pp | 25.30%+7.4pp | 31.67%+1.1pp |
| Employer contribution / active EE | $525 | $1,360-61.4% | $3,420-84.6% | $2,019-74.0% |
| Participant deferral / active EE | $1,216 | $2,289-46.9% | $4,690-74.1% | $3,358-63.8% |
| Admin fee / account holder | $2,055 | $3,140-34.6% | $12,016-82.9% | $3,203-35.8% |