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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 | $13,270 | $101,795-87.0% | $165,100-92.0% | $80,959-83.6% |
| Participation rate | 54.8% | 71.8%-17.1pp | 78.6%-23.9pp | 67.7%-12.9pp |
| Annual return | 11.01% | 16.73%-5.7pp | 70.21%-59.2pp | 35.67%-24.7pp |
| Employer contribution / active EE | $946 | $2,954-68.0% | $4,348-78.3% | $2,757-65.7% |
| Participant deferral / active EE | $2,198 | $4,476-50.9% | $6,035-63.6% | $4,300-48.9% |
| Admin fee / account holder | $473 | $8,221-94.2% | $12,696-96.3% | $6,925-93.2% |