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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 | $22,556 | $73,149-69.2% | $120,524-81.3% | $77,714-71.0% |
| Participation rate | 36.3% | 55.2%-18.8pp | 71.9%-35.6pp | 70.6%-34.3pp |
| Annual return | 14.51% | 18.24%-3.7pp | 107.36%-92.9pp | 31.26%-16.7pp |
| Employer contribution / active EE | $787 | $1,793-56.1% | $3,469-77.3% | $2,727-71.1% |
| Participant deferral / active EE | $1,121 | $3,006-62.7% | $4,994-77.5% | $4,649-75.9% |
| Admin fee / account holder | $828 | $660+25.5% | $9,440-91.2% | $433+91.1% |