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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 | $23,038 | $67,602-65.9% | $82,312-72.0% | $70,126-67.1% |
| Participation rate | 66.0% | 72.8%-6.8pp | 76.9%-10.9pp | 69.5%-3.6pp |
| Annual return | 18.25% | 21.57%-3.3pp | 25.88%-7.6pp | 73.15%-54.9pp |
| Employer contribution / active EE | $931 | $1,755-46.9% | $2,428-61.6% | $2,343-60.2% |
| Participant deferral / active EE | $2,068 | $2,987-30.8% | $3,706-44.2% | $3,332-37.9% |
| Admin fee / account holder | $367 | $4,512-91.9% | $5,608-93.5% | $4,645-92.1% |