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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 | $20,417 | $60,349-66.2% | $74,184-72.5% | $62,881-67.5% |
| Participation rate | 56.6% | 72.7%-16.2pp | 76.6%-20.0pp | 69.3%-12.7pp |
| Annual return | 14.53% | 21.38%-6.8pp | 17.74%-3.2pp | 20.14%-5.6pp |
| Employer contribution / active EE | $1,029 | $1,680-38.7% | $2,370-56.6% | $2,281-54.9% |
| Participant deferral / active EE | $1,500 | $2,856-47.5% | $3,550-57.7% | $3,203-53.2% |
| Admin fee / account holder | $1,127 | $4,261-73.6% | $5,586-79.8% | $4,296-73.8% |