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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 | $15,181 | $99,345-84.7% | $84,753-82.1% | $273,972-94.5% |
| Participation rate | 68.2% | 80.7%-12.5pp | 76.6%-8.4pp | 83.0%-14.8pp |
| Annual return | 0.00% | 22.93%-22.9pp | 22.78%-22.8pp | 41.46%-41.5pp |
| Employer contribution / active EE | $2,770 | $4,214-34.3% | $3,574-22.5% | $4,869-43.1% |
| Participant deferral / active EE | $7,110 | $4,270+66.5% | $3,712+91.5% | $5,287+34.5% |
| Admin fee / account holder | $948 | $6,645-85.7% | $5,333-82.2% | $10,133-90.6% |