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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 | $16,159 | $63,140-74.4% | $304,612-94.7% | $116,462-86.1% |
| Participation rate | 42.7% | 70.4%-27.7pp | 81.9%-39.3pp | 74.7%-32.0pp |
| Annual return | 19.20% | 15.04%+4.2pp | 329.91%-310.7pp | 15.65%+3.6pp |
| Employer contribution / active EE | $784 | $2,385-67.1% | $7,476-89.5% | $3,231-75.7% |
| Participant deferral / active EE | $1,352 | $2,741-50.7% | $5,388-74.9% | $3,836-64.7% |
| Admin fee / account holder | $1,574 | $7,583-79.2% | $12,962-87.9% | $12,754-87.7% |