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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 | $14,470 | $68,880-79.0% | $120,580-88.0% | $80,959-82.1% |
| Participation rate | 38.9% | 61.7%-22.8pp | 72.0%-33.1pp | 67.7%-28.8pp |
| Annual return | 20.16% | 23.68%-3.5pp | 107.48%-87.3pp | 35.67%-15.5pp |
| Employer contribution / active EE | $694 | $2,066-66.4% | $3,469-80.0% | $2,757-74.8% |
| Participant deferral / active EE | $1,981 | $3,191-37.9% | $4,995-60.3% | $4,300-53.9% |
| Admin fee / account holder | $493 | $5,785-91.5% | $9,418-94.8% | $6,925-92.9% |