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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 | $13,118 | $83,485-84.3% | $125,195-89.5% | $72,976-82.0% |
| Participation rate | 65.0% | 73.3%-8.3pp | 79.8%-14.8pp | 69.5%-4.5pp |
| Annual return | 23.53% | 25.77%-2.2pp | 43.79%-20.3pp | 81.02%-57.5pp |
| Employer contribution / active EE | $1,093 | $2,346-53.4% | $3,866-71.7% | $2,440-55.2% |
| Participant deferral / active EE | $2,099 | $3,586-41.5% | $4,937-57.5% | $3,608-41.8% |
| Admin fee / account holder | $358 | $5,518-93.5% | $9,704-96.3% | $5,124-93.0% |