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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 | $16,032 | $73,988-78.3% | $96,538-83.4% | $75,177-78.7% |
| Participation rate | 46.6% | 66.4%-19.9pp | 74.3%-27.8pp | 67.2%-20.7pp |
| Annual return | 49.81% | 26.73%+23.1pp | 35.74%+14.1pp | 160.75%-110.9pp |
| Employer contribution / active EE | $1,010 | $2,930-65.5% | $3,740-73.0% | $2,671-62.2% |
| Participant deferral / active EE | $2,601 | $3,660-28.9% | $4,880-46.7% | $4,126-37.0% |
| Admin fee / account holder | $471 | $5,220-91.0% | $6,737-93.0% | $5,651-91.7% |