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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 | $24,925 | $87,132-71.4% | $105,624-76.4% | $80,959-69.2% |
| Participation rate | 50.0% | 70.4%-20.4pp | 75.3%-25.3pp | 67.7%-17.7pp |
| Annual return | 12.10% | 17.03%-4.9pp | 116.20%-104.1pp | 35.67%-23.6pp |
| Employer contribution / active EE | $1,263 | $2,397-47.3% | $3,168-60.1% | $2,757-54.2% |
| Participant deferral / active EE | $4,473 | $3,985+12.2% | $5,013-10.8% | $4,300+4.0% |
| Admin fee / account holder | $4,699 | $8,449-44.4% | $10,961-57.1% | $6,925-32.1% |