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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 | $11,608 | $48,078-75.9% | $78,676-85.2% | $62,881-81.5% |
| Participation rate | 37.7% | 65.2%-27.5pp | 73.6%-35.9pp | 69.3%-31.6pp |
| Annual return | 8.79% | 31.36%-22.6pp | 62.19%-53.4pp | 20.14%-11.4pp |
| Employer contribution / active EE | $620 | $2,015-69.2% | $2,850-78.2% | $2,281-72.8% |
| Participant deferral / active EE | $1,155 | $2,587-55.4% | $3,517-67.2% | $3,203-63.9% |
| Admin fee / account holder | $518 | $3,206-83.8% | $4,510-88.5% | $4,296-87.9% |