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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 | $16,897 | $65,364-74.1% | $92,909-81.8% | $72,975-76.8% |
| Participation rate | 58.6% | 68.3%-9.7pp | 76.0%-17.4pp | 69.5%-10.9pp |
| Annual return | 20.73% | 42.11%-21.4pp | 109.44%-88.7pp | 81.01%-60.3pp |
| Employer contribution / active EE | $749 | $2,594-71.1% | $3,653-79.5% | $2,440-69.3% |
| Participant deferral / active EE | $1,802 | $3,128-42.4% | $4,238-57.5% | $3,608-50.1% |
| Admin fee / account holder | $3,226 | $4,251-24.1% | $5,795-44.3% | $5,124-37.0% |