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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 | $14,246 | $52,884-73.1% | $84,753-83.2% | $55,167-74.2% |
| Participation rate | 44.0% | 67.5%-23.5pp | 76.6%-32.6pp | 69.0%-25.0pp |
| Annual return | 9.30% | 18.03%-8.7pp | 22.78%-13.5pp | 169.23%-159.9pp |
| Employer contribution / active EE | $0 | $2,233-100.0% | $3,574-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $1,431 | $2,644-45.9% | $3,712-61.5% | $3,054-53.2% |
| Admin fee / account holder | $410 | $581-29.4% | $5,333-92.3% | $504-18.6% |