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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 | $22,068 | $65,027-66.1% | $90,970-75.7% | $79,852-72.4% |
| Participation rate | 61.5% | 61.6%-0.1pp | 69.0%-7.5pp | 69.6%-8.1pp |
| Annual return | 13.59% | 30.45%-16.9pp | 134.58%-121.0pp | 31.72%-18.1pp |
| Employer contribution / active EE | $792 | $1,247-36.5% | $2,122-62.7% | $2,471-67.9% |
| Participant deferral / active EE | $1,480 | $2,512-41.1% | $3,373-56.1% | $3,740-60.4% |
| Admin fee / account holder | $367 | $4,535-91.9% | $5,960-93.8% | $5,306-93.1% |