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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 | $17,316 | $65,361-73.5% | $92,903-81.4% | $72,983-76.3% |
| Participation rate | 47.2% | 68.3%-21.1pp | 76.0%-28.8pp | 69.5%-22.3pp |
| Annual return | 25.25% | 42.11%-16.9pp | 109.43%-84.2pp | 81.01%-55.8pp |
| Employer contribution / active EE | $871 | $2,594-66.4% | $3,653-76.1% | $2,440-64.3% |
| Participant deferral / active EE | $2,560 | $3,128-18.2% | $4,238-39.6% | $3,608-29.0% |
| Admin fee / account holder | $664 | $4,251-84.4% | $5,795-88.5% | $5,124-87.0% |