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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 | $12,496 | $65,364-80.9% | $92,909-86.6% | $72,975-82.9% |
| Participation rate | 54.5% | 68.3%-13.8pp | 76.0%-21.5pp | 69.5%-14.9pp |
| Annual return | 25.89% | 42.11%-16.2pp | 109.44%-83.5pp | 81.01%-55.1pp |
| Employer contribution / active EE | $1,061 | $2,594-59.1% | $3,653-71.0% | $2,440-56.5% |
| Participant deferral / active EE | $2,254 | $3,128-27.9% | $4,238-46.8% | $3,608-37.5% |
| Admin fee / account holder | $551 | $4,251-87.0% | $5,795-90.5% | $5,124-89.2% |