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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 | $20,208 | $87,132-76.8% | $105,624-80.9% | $80,959-75.0% |
| Participation rate | 63.9% | 70.4%-6.5pp | 75.3%-11.4pp | 67.7%-3.8pp |
| Annual return | 12.81% | 17.03%-4.2pp | 116.20%-103.4pp | 35.67%-22.9pp |
| Employer contribution / active EE | $1,201 | $2,397-49.9% | $3,168-62.1% | $2,757-56.4% |
| Participant deferral / active EE | $3,523 | $3,985-11.6% | $5,013-29.7% | $4,300-18.1% |
| Admin fee / account holder | $573 | $8,449-93.2% | $10,961-94.8% | $6,925-91.7% |