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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 | $14,358 | $56,894-74.8% | $84,753-83.1% | $62,881-77.2% |
| Participation rate | 26.7% | 68.5%-41.9pp | 76.6%-49.9pp | 69.3%-42.6pp |
| Annual return | 11.37% | 6.30%+5.1pp | 22.78%-11.4pp | 20.14%-8.8pp |
| Employer contribution / active EE | $549 | $2,400-77.1% | $3,574-84.6% | $2,281-75.9% |
| Participant deferral / active EE | $1,089 | $2,709-59.8% | $3,712-70.7% | $3,203-66.0% |
| Admin fee / account holder | $738 | $3,581-79.4% | $5,333-86.2% | $4,296-82.8% |