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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 | $11,596 | $62,672-81.5% | $185,117-93.7% | $70,126-83.5% |
| Participation rate | 68.8% | 63.8%+5.0pp | 77.3%-8.5pp | 69.5%-0.8pp |
| Annual return | 30.00% | 40.79%-10.8pp | 40.50%-10.5pp | 73.15%-43.1pp |
| Employer contribution / active EE | $1,098 | $1,753-37.4% | $4,182-73.7% | $2,343-53.1% |
| Participant deferral / active EE | $1,912 | $3,272-41.5% | $5,045-62.1% | $3,332-42.6% |
| Admin fee / account holder | $1,057 | $3,932-73.1% | $8,159-87.0% | $4,645-77.3% |