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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 | $16,003 | $87,106-81.6% | $105,607-84.8% | $80,935-80.2% |
| Participation rate | 63.6% | 70.4%-6.8pp | 75.3%-11.6pp | 67.7%-4.0pp |
| Annual return | 11.84% | 17.01%-5.2pp | 116.11%-104.3pp | 35.66%-23.8pp |
| Employer contribution / active EE | $1,007 | $2,396-58.0% | $3,167-68.2% | $2,757-63.5% |
| Participant deferral / active EE | $1,767 | $3,986-55.7% | $5,011-64.7% | $4,299-58.9% |
| Admin fee / account holder | $1,521 | $8,447-82.0% | $10,958-86.1% | $6,924-78.0% |