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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 | $15,197 | $76,551-80.1% | $123,894-87.7% | $62,881-75.8% |
| Participation rate | 17.9% | 73.0%-55.0pp | 81.4%-63.5pp | 69.3%-51.4pp |
| Annual return | 14.65% | 18.68%-4.0pp | 47.52%-32.9pp | 20.14%-5.5pp |
| Employer contribution / active EE | $824 | $2,882-71.4% | $4,617-82.2% | $2,281-63.9% |
| Participant deferral / active EE | $2,984 | $4,840-38.3% | $5,984-50.1% | $3,203-6.8% |
| Admin fee / account holder | $2,145 | $4,826-55.5% | $8,357-74.3% | $4,296-50.1% |