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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 | $12,286 | $78,015-84.3% | $178,505-93.1% | $80,959-84.8% |
| Participation rate | 48.3% | 65.7%-17.4pp | 77.1%-28.8pp | 67.7%-19.4pp |
| Annual return | 15.00% | 18.10%-3.1pp | 27.16%-12.2pp | 35.67%-20.7pp |
| Employer contribution / active EE | $631 | $2,281-72.3% | $3,955-84.0% | $2,757-77.1% |
| Participant deferral / active EE | $1,617 | $4,406-63.3% | $6,280-74.2% | $4,300-62.4% |
| Admin fee / account holder | $373 | $7,160-94.8% | $10,428-96.4% | $6,925-94.6% |