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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 | $17,397 | $51,708-66.4% | $106,619-83.7% | $62,881-72.3% |
| Participation rate | 43.3% | 66.9%-23.5pp | 78.0%-34.7pp | 69.3%-26.0pp |
| Annual return | 6.01% | 4.69%+1.3pp | 9.42%-3.4pp | 20.14%-14.1pp |
| Employer contribution / active EE | $880 | $1,764-50.1% | $3,947-77.7% | $2,281-61.4% |
| Participant deferral / active EE | $2,271 | $2,315-1.9% | $3,930-42.2% | $3,203-29.1% |
| Admin fee / account holder | $3,426 | $3,349+2.3% | $6,418-46.6% | $4,296-20.2% |