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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 | $16,377 | $73,978-77.9% | $96,515-83.0% | $75,173-78.2% |
| Participation rate | 48.5% | 66.4%-17.9pp | 74.3%-25.9pp | 67.2%-18.7pp |
| Annual return | 31.70% | 26.72%+5.0pp | 35.73%-4.0pp | 160.72%-129.0pp |
| Employer contribution / active EE | $903 | $2,931-69.2% | $3,740-75.9% | $2,671-66.2% |
| Participant deferral / active EE | $2,050 | $3,660-44.0% | $4,880-58.0% | $4,126-50.3% |
| Admin fee / account holder | $1,092 | $5,219-79.1% | $6,735-83.8% | $5,651-80.7% |