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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 | $13,410 | $86,940-84.6% | $102,434-86.9% | $80,935-83.4% |
| Participation rate | 38.8% | 72.4%-33.6pp | 76.5%-37.7pp | 67.7%-28.8pp |
| Annual return | 15.15% | 18.89%-3.7pp | 29.46%-14.3pp | 35.66%-20.5pp |
| Employer contribution / active EE | $1,196 | $2,370-49.5% | $3,023-60.4% | $2,757-56.6% |
| Participant deferral / active EE | $1,863 | $4,121-54.8% | $5,055-63.2% | $4,299-56.7% |
| Admin fee / account holder | $3,000 | $8,047-62.7% | $9,462-68.3% | $6,924-56.7% |