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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 | $30,274 | $108,825-72.2% | $156,181-80.6% | $82,448-63.3% |
| Participation rate | 42.0% | 72.4%-30.4pp | 78.8%-36.8pp | 68.1%-26.1pp |
| Annual return | 17.72% | 20.59%-2.9pp | 64.87%-47.2pp | 41.64%-23.9pp |
| Employer contribution / active EE | $1,307 | $2,870-54.5% | $4,294-69.6% | $2,551-48.8% |
| Participant deferral / active EE | $2,060 | $4,577-55.0% | $6,132-66.4% | $4,139-50.2% |
| Admin fee / account holder | $391 | $9,341-95.8% | $14,586-97.3% | $7,234-94.6% |