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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 | $22,986 | $87,132-73.6% | $105,624-78.2% | $80,959-71.6% |
| Participation rate | 46.2% | 70.4%-24.3pp | 75.3%-29.1pp | 67.7%-21.5pp |
| Annual return | 13.73% | 17.03%-3.3pp | 116.20%-102.5pp | 35.67%-21.9pp |
| Employer contribution / active EE | $1,239 | $2,397-48.3% | $3,168-60.9% | $2,757-55.0% |
| Participant deferral / active EE | $2,381 | $3,985-40.3% | $5,013-52.5% | $4,300-44.6% |
| Admin fee / account holder | $2,155 | $8,449-74.5% | $10,961-80.3% | $6,925-68.9% |