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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 | $27,041 | $81,403-66.8% | $147,027-81.6% | $87,485-69.1% |
| Participation rate | 50.0% | 63.4%-13.4pp | 73.7%-23.7pp | 68.9%-18.9pp |
| Annual return | 13.58% | 16.51%-2.9pp | 20.23%-6.7pp | 26.06%-12.5pp |
| Employer contribution / active EE | $941 | $2,205-57.3% | $3,626-74.1% | $2,596-63.8% |
| Participant deferral / active EE | $2,163 | $3,315-34.8% | $4,933-56.1% | $4,274-49.4% |
| Admin fee / account holder | $13,054 | $6,755+93.3% | $12,223+6.8% | $7,775+67.9% |