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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 | $16,323 | $76,551-78.7% | $123,894-86.8% | $62,881-74.0% |
| Participation rate | 59.3% | 73.0%-13.7pp | 81.4%-22.2pp | 69.3%-10.0pp |
| Annual return | 8.45% | 18.68%-10.2pp | 47.52%-39.1pp | 20.14%-11.7pp |
| Employer contribution / active EE | $4,450 | $2,882+54.4% | $4,617-3.6% | $2,281+95.1% |
| Participant deferral / active EE | $2,900 | $4,840-40.1% | $5,984-51.5% | $3,203-9.5% |
| Admin fee / account holder | $680 | $4,826-85.9% | $8,357-91.9% | $4,296-84.2% |