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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 | $21,661 | $86,949-75.1% | $102,460-78.9% | $80,959-73.2% |
| Participation rate | 48.2% | 72.4%-24.2pp | 76.5%-28.3pp | 67.7%-19.5pp |
| Annual return | 12.55% | 18.89%-6.3pp | 29.47%-16.9pp | 35.67%-23.1pp |
| Employer contribution / active EE | $777 | $2,370-67.2% | $3,025-74.3% | $2,757-71.8% |
| Participant deferral / active EE | $2,000 | $4,121-51.5% | $5,056-60.4% | $4,300-53.5% |
| Admin fee / account holder | $1,017 | $8,048-87.4% | $9,460-89.2% | $6,925-85.3% |