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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 | $20,429 | $81,446-74.9% | $103,374-80.2% | $80,874-74.7% |
| Participation rate | 48.3% | 66.9%-18.6pp | 74.5%-26.2pp | 67.6%-19.4pp |
| Annual return | 17.68% | 25.57%-7.9pp | 24.89%-7.2pp | 35.62%-17.9pp |
| Employer contribution / active EE | $1,930 | $3,107-37.9% | $3,869-50.1% | $2,756-29.9% |
| Participant deferral / active EE | $3,161 | $3,870-18.3% | $5,058-37.5% | $4,297-26.4% |
| Admin fee / account holder | $1,277 | $6,715-81.0% | $8,394-84.8% | $6,935-81.6% |