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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 | $22,242 | $88,360-74.8% | $145,433-84.7% | $67,986-67.3% |
| Participation rate | 48.6% | 65.5%-16.9pp | 82.1%-33.5pp | 57.2%-8.6pp |
| Annual return | 16.94% | 63.15%-46.2pp | 66.58%-49.6pp | 31.67%-14.7pp |
| Employer contribution / active EE | $1,079 | $3,054-64.7% | $4,554-76.3% | $2,019-46.6% |
| Participant deferral / active EE | $1,711 | $5,932-71.1% | $7,897-78.3% | $3,358-49.0% |
| Admin fee / account holder | $1,844 | $3,313-44.3% | $13,129-86.0% | $3,203-42.4% |