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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 | $68,852-79.0% | $120,524-88.0% | $80,925-82.1% |
| Participation rate | 38.9% | 61.6%-22.7pp | 71.9%-33.0pp | 67.7%-28.8pp |
| Annual return | 20.16% | 23.67%-3.5pp | 107.36%-87.2pp | 35.65%-15.5pp |
| Employer contribution / active EE | $694 | $2,063-66.3% | $3,469-80.0% | $2,756-74.8% |
| Participant deferral / active EE | $1,981 | $3,187-37.8% | $4,994-60.3% | $4,299-53.9% |
| Admin fee / account holder | $493 | $5,781-91.5% | $9,440-94.8% | $6,940-92.9% |