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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 | $10,291 | $72,269-85.8% | $101,271-89.8% | $79,852-87.1% |
| Participation rate | 44.0% | 68.5%-24.5pp | 75.8%-31.8pp | 69.6%-25.6pp |
| Annual return | 28.81% | 22.29%+6.5pp | 46.48%-17.7pp | 31.72%-2.9pp |
| Employer contribution / active EE | $1,118 | $2,692-58.5% | $3,660-69.4% | $2,471-54.7% |
| Participant deferral / active EE | $1,795 | $3,282-45.3% | $4,371-58.9% | $3,740-52.0% |
| Admin fee / account holder | $3,112 | $4,401-29.3% | $5,948-47.7% | $5,306-41.3% |