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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 | $18,594 | $71,215-73.9% | $93,696-80.2% | $80,935-77.0% |
| Participation rate | 34.0% | 60.4%-26.4pp | 68.7%-34.8pp | 67.7%-33.7pp |
| Annual return | 13.86% | 11.27%+2.6pp | 133.74%-119.9pp | 35.66%-21.8pp |
| Employer contribution / active EE | $790 | $1,565-49.5% | $2,422-67.4% | $2,757-71.3% |
| Participant deferral / active EE | $1,660 | $4,037-58.9% | $4,417-62.4% | $4,299-61.4% |
| Admin fee / account holder | $5,286 | $6,958-24.0% | $8,287-36.2% | $6,924-23.7% |