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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 | $31,715 | $97,550-67.5% | $120,344-73.6% | $87,485-63.7% |
| Participation rate | 66.7% | 72.8%-6.2pp | 76.7%-10.0pp | 68.9%-2.3pp |
| Annual return | 12.94% | 18.41%-5.5pp | 20.30%-7.4pp | 26.06%-13.1pp |
| Employer contribution / active EE | $867 | $2,291-62.2% | $3,020-71.3% | $2,596-66.6% |
| Participant deferral / active EE | $1,977 | $4,230-53.3% | $5,135-61.5% | $4,274-53.7% |
| Admin fee / account holder | $2,425 | $9,543-74.6% | $12,742-81.0% | $7,775-68.8% |