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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 | $11,224 | $47,848-76.5% | $81,473-86.2% | $70,126-84.0% |
| Participation rate | 36.4% | 58.3%-21.9pp | 68.0%-31.6pp | 69.5%-33.2pp |
| Annual return | 29.04% | 27.25%+1.8pp | 38.78%-9.7pp | 73.15%-44.1pp |
| Employer contribution / active EE | $960 | $1,527-37.1% | $2,568-62.6% | $2,343-59.0% |
| Participant deferral / active EE | $1,468 | $2,453-40.1% | $3,537-58.5% | $3,332-55.9% |
| Admin fee / account holder | $1,024 | $3,145-67.5% | $4,561-77.6% | $4,645-78.0% |