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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 | $14,304 | $65,034-78.0% | $90,970-84.3% | $79,856-82.1% |
| Participation rate | 26.7% | 61.6%-34.9pp | 69.0%-42.3pp | 69.6%-43.0pp |
| Annual return | 18.33% | 30.45%-12.1pp | 134.60%-116.3pp | 31.71%-13.4pp |
| Employer contribution / active EE | $358 | $1,247-71.3% | $2,122-83.1% | $2,471-85.5% |
| Participant deferral / active EE | $1,566 | $2,512-37.7% | $3,373-53.6% | $3,741-58.1% |
| Admin fee / account holder | $622 | $4,536-86.3% | $5,961-89.6% | $5,306-88.3% |