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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 | $81,504-74.9% | $102,437-80.1% | $80,959-74.8% |
| Participation rate | 48.3% | 66.9%-18.6pp | 74.5%-26.2pp | 67.7%-19.4pp |
| Annual return | 17.68% | 25.60%-7.9pp | 24.95%-7.3pp | 35.67%-18.0pp |
| Employer contribution / active EE | $1,930 | $3,104-37.8% | $3,871-50.1% | $2,757-30.0% |
| Participant deferral / active EE | $3,161 | $3,871-18.3% | $5,060-37.5% | $4,300-26.5% |
| Admin fee / account holder | $1,277 | $6,719-81.0% | $8,388-84.8% | $6,925-81.6% |