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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 | $27,277 | $86,298-68.4% | $111,308-75.5% | $85,847-68.2% |
| Participation rate | 56.5% | 73.3%-16.9pp | 77.3%-20.9pp | 69.3%-12.9pp |
| Annual return | 14.74% | 19.99%-5.2pp | 54.67%-39.9pp | 318.61%-303.9pp |
| Employer contribution / active EE | $1,715 | $2,044-16.1% | $2,732-37.2% | $2,565-33.1% |
| Participant deferral / active EE | $3,603 | $3,641-1.0% | $4,487-19.7% | $3,952-8.8% |
| Admin fee / account holder | $1,092 | $8,189-86.7% | $7,965-86.3% | $6,261-82.6% |