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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 | $17,789 | $71,230-75.0% | $93,727-81.0% | $80,959-78.0% |
| Participation rate | 69.0% | 60.4%+8.7pp | 68.7%+0.3pp | 67.7%+1.4pp |
| Annual return | 10.49% | 11.26%-0.8pp | 133.83%-123.3pp | 35.67%-25.2pp |
| Employer contribution / active EE | $1,081 | $1,565-30.9% | $2,421-55.3% | $2,757-60.8% |
| Participant deferral / active EE | $1,818 | $4,037-55.0% | $4,417-58.8% | $4,300-57.7% |
| Admin fee / account holder | $942 | $6,961-86.5% | $8,292-88.6% | $6,925-86.4% |