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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 | $13,407 | $95,453-86.0% | $112,040-88.0% | $82,448-83.7% |
| Participation rate | 59.6% | 72.8%-13.2pp | 76.5%-16.9pp | 68.1%-8.5pp |
| Annual return | 22.79% | 23.92%-1.1pp | 24.52%-1.7pp | 41.64%-18.8pp |
| Employer contribution / active EE | $1,360 | $2,318-41.3% | $2,954-54.0% | $2,551-46.7% |
| Participant deferral / active EE | $2,926 | $4,224-30.7% | $5,098-42.6% | $4,139-29.3% |
| Admin fee / account holder | $852 | $9,013-90.5% | $12,098-93.0% | $7,234-88.2% |