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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 | $23,250 | $91,559-74.6% | $133,978-82.6% | $79,856-70.9% |
| Participation rate | 54.8% | 73.3%-18.5pp | 79.8%-25.0pp | 69.6%-14.8pp |
| Annual return | 18.10% | 61.85%-43.7pp | 45.10%-27.0pp | 31.71%-13.6pp |
| Employer contribution / active EE | $628 | $2,384-73.7% | $3,919-84.0% | $2,471-74.6% |
| Participant deferral / active EE | $2,050 | $3,734-45.1% | $5,047-59.4% | $3,741-45.2% |
| Admin fee / account holder | $2,052 | $6,321-67.5% | $8,930-77.0% | $5,306-61.3% |