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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 | $12,838 | $65,367-80.4% | $92,915-86.2% | $72,976-82.4% |
| Participation rate | 50.0% | 68.3%-18.3pp | 76.0%-26.0pp | 69.5%-19.5pp |
| Annual return | 23.77% | 42.11%-18.3pp | 109.45%-85.7pp | 81.02%-57.2pp |
| Employer contribution / active EE | $1,249 | $2,594-51.8% | $3,653-65.8% | $2,440-48.8% |
| Participant deferral / active EE | $2,011 | $3,128-35.7% | $4,238-52.6% | $3,608-44.3% |
| Admin fee / account holder | $683 | $4,251-83.9% | $5,796-88.2% | $5,124-86.7% |