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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 | $10,811 | $48,078-77.5% | $78,676-86.3% | $62,881-82.8% |
| Participation rate | 52.0% | 65.2%-13.2pp | 73.6%-21.6pp | 69.3%-17.3pp |
| Annual return | 12.69% | 31.36%-18.7pp | 62.19%-49.5pp | 20.14%-7.5pp |
| Employer contribution / active EE | $243 | $2,015-87.9% | $2,850-91.5% | $2,281-89.3% |
| Participant deferral / active EE | $1,528 | $2,587-41.0% | $3,517-56.6% | $3,203-52.3% |
| Admin fee / account holder | $1,787 | $3,206-44.3% | $4,510-60.4% | $4,296-58.4% |