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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 | $21,888 | $65,027-66.3% | $90,970-75.9% | $79,852-72.6% |
| Participation rate | 46.9% | 61.6%-14.7pp | 69.0%-22.1pp | 69.6%-22.8pp |
| Annual return | 14.29% | 30.45%-16.2pp | 134.58%-120.3pp | 31.72%-17.4pp |
| Employer contribution / active EE | $706 | $1,247-43.4% | $2,122-66.8% | $2,471-71.4% |
| Participant deferral / active EE | $1,514 | $2,512-39.7% | $3,373-55.1% | $3,740-59.5% |
| Admin fee / account holder | $484 | $4,535-89.3% | $5,960-91.9% | $5,306-90.9% |