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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 | $17,702 | $93,346-81.0% | $71,796-75.3% | $273,972-93.5% |
| Participation rate | 33.3% | 76.5%-43.2pp | 69.1%-35.8pp | 83.0%-49.7pp |
| Annual return | 4.50% | 130.39%-125.9pp | 78.04%-73.5pp | 41.46%-37.0pp |
| Employer contribution / active EE | $817 | $2,733-70.1% | $1,924-57.6% | $4,869-83.2% |
| Participant deferral / active EE | $1,810 | $3,475-47.9% | $2,794-35.2% | $5,287-65.8% |
| Admin fee / account holder | $410 | $6,571-93.8% | $4,815-91.5% | $10,133-96.0% |