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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 | $12,725 | $96,558-86.8% | $80,977-84.3% | $273,972-95.4% |
| Participation rate | 41.7% | 79.1%-37.4pp | 75.8%-34.1pp | 83.0%-41.3pp |
| Annual return | 9.67% | 15.14%-5.5pp | 17.11%-7.4pp | 41.46%-31.8pp |
| Employer contribution / active EE | $1,095 | $4,869-77.5% | $3,715-70.5% | $4,869-77.5% |
| Participant deferral / active EE | $1,630 | $6,598-75.3% | $5,696-71.4% | $5,287-69.2% |
| Admin fee / account holder | $2,102 | $7,493-72.0% | $5,517-61.9% | $10,133-79.3% |