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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 | $30,948 | $75,923-59.2% | $102,460-69.8% | - |
| Participation rate | 43.4% | 71.4%-28.0pp | 76.5%-33.1pp | - |
| Annual return | 17.23% | 15.12%+2.1pp | 29.47%-12.2pp | - |
| Employer contribution / active EE | $992 | $2,206-55.0% | $3,025-67.2% | - |
| Participant deferral / active EE | $2,264 | $4,258-46.8% | $5,056-55.2% | - |
| Admin fee / account holder | $2,821 | $11,449-75.4% | $9,460-70.2% | - |