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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 | $26,789 | $91,559-70.7% | $133,971-80.0% | $79,852-66.5% |
| Participation rate | 40.7% | 73.3%-32.6pp | 79.8%-39.1pp | 69.6%-28.9pp |
| Annual return | 14.74% | 61.85%-47.1pp | 45.09%-30.4pp | 31.72%-17.0pp |
| Employer contribution / active EE | $779 | $2,384-67.3% | $3,919-80.1% | $2,471-68.5% |
| Participant deferral / active EE | $1,687 | $3,734-54.8% | $5,047-66.6% | $3,740-54.9% |
| Admin fee / account holder | $3,471 | $6,321-45.1% | $8,929-61.1% | $5,306-34.6% |