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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 | $8,352 | $93,064-91.0% | $74,577-88.8% | $273,972-97.0% |
| Participation rate | 61.9% | 74.9%-13.0pp | 68.1%-6.2pp | 83.0%-21.1pp |
| Annual return | 9.26% | 26.18%-16.9pp | 20.47%-11.2pp | 41.46%-32.2pp |
| Employer contribution / active EE | $1,453 | $3,160-54.0% | $2,525-42.4% | $4,869-70.1% |
| Participant deferral / active EE | $2,200 | $4,160-47.1% | $3,458-36.4% | $5,287-58.4% |
| Admin fee / account holder | $397 | $5,273-92.5% | $4,138-90.4% | $10,133-96.1% |