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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 | $115,931-73.9% | $185,441-83.7% | $86,983-65.2% |
| Participation rate | 42.0% | 73.6%-31.6pp | 80.3%-38.3pp | 69.5%-27.5pp |
| Annual return | 17.72% | 21.47%-3.7pp | 20.16%-2.4pp | 25.83%-8.1pp |
| Employer contribution / active EE | $1,307 | $2,937-55.5% | $4,672-72.0% | $2,584-49.4% |
| Participant deferral / active EE | $2,060 | $4,551-54.7% | $6,152-66.5% | $4,194-50.9% |
| Admin fee / account holder | $391 | $10,687-96.3% | $17,890-97.8% | $7,856-95.0% |