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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 | $13,021 | $162,967-92.0% | $135,792-90.4% | $138,895-90.6% |
| Participation rate | 42.9% | 78.3%-35.5pp | 72.6%-29.7pp | 79.9%-37.1pp |
| Annual return | 15.24% | 30.08%-14.8pp | 25.96%-10.7pp | 145.39%-130.2pp |
| Employer contribution / active EE | $1,511 | $4,211-64.1% | $3,496-56.8% | $4,194-64.0% |
| Participant deferral / active EE | $1,598 | $5,640-71.7% | $4,759-66.4% | $6,396-75.0% |
| Admin fee / account holder | $429 | $15,306-97.2% | $12,266-96.5% | $12,562-96.6% |