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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 | $13,265 | $115,917-88.6% | $100,535-86.8% | $158,982-91.7% |
| Participation rate | 60.0% | 81.6%-21.6pp | 79.4%-19.4pp | 82.0%-22.0pp |
| Annual return | 11.74% | 34.80%-23.1pp | 30.90%-19.2pp | 302.99%-291.2pp |
| Employer contribution / active EE | $619 | $4,105-84.9% | $3,419-81.9% | $4,763-87.0% |
| Participant deferral / active EE | $2,040 | $6,677-69.4% | $6,271-67.5% | $5,983-65.9% |
| Admin fee / account holder | $564 | $11,002-94.9% | $8,085-93.0% | $11,252-95.0% |