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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 | $13,245 | $48,364-72.6% | $71,796-81.6% | $62,881-78.9% |
| Participation rate | 42.9% | 60.6%-17.8pp | 69.1%-26.3pp | 69.3%-26.4pp |
| Annual return | 6.25% | 13.16%-6.9pp | 78.04%-71.8pp | 20.14%-13.9pp |
| Employer contribution / active EE | $238 | $1,042-77.1% | $1,924-87.6% | $2,281-89.6% |
| Participant deferral / active EE | $1,033 | $2,091-50.6% | $2,794-63.0% | $3,203-67.7% |
| Admin fee / account holder | $471 | $3,771-87.5% | $4,815-90.2% | $4,296-89.0% |