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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 | $13,348 | $91,198-85.4% | $178,503-92.5% | $79,856-83.3% |
| Participation rate | 53.0% | 69.2%-16.2pp | 81.9%-28.9pp | 69.6%-16.6pp |
| Annual return | 14.54% | 24.20%-9.7pp | 151.12%-136.6pp | 31.71%-17.2pp |
| Employer contribution / active EE | $863 | $3,257-73.5% | $5,011-82.8% | $2,471-65.1% |
| Participant deferral / active EE | $1,286 | $3,237-60.3% | $5,202-75.3% | $3,741-65.6% |
| Admin fee / account holder | $1,702 | $6,748-74.8% | $13,987-87.8% | $5,306-67.9% |