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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 | $4,638 | $47,848-90.3% | $81,473-94.3% | $70,126-93.4% |
| Participation rate | 47.1% | 58.3%-11.2pp | 68.0%-20.9pp | 69.5%-22.5pp |
| Annual return | 19.04% | 27.25%-8.2pp | 38.78%-19.7pp | 73.15%-54.1pp |
| Employer contribution / active EE | $939 | $1,527-38.5% | $2,568-63.4% | $2,343-59.9% |
| Participant deferral / active EE | $1,006 | $2,453-59.0% | $3,537-71.5% | $3,332-69.8% |
| Admin fee / account holder | $1,973 | $3,145-37.3% | $4,561-56.8% | $4,645-57.5% |