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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 | $14,183 | $81,457-82.6% | $103,378-86.3% | $80,911-82.5% |
| Participation rate | 47.3% | 66.8%-19.6pp | 74.5%-27.3pp | 67.6%-20.4pp |
| Annual return | 12.50% | 25.58%-13.1pp | 24.91%-12.4pp | 35.63%-23.1pp |
| Employer contribution / active EE | $1,082 | $3,107-65.2% | $3,870-72.1% | $2,756-60.7% |
| Participant deferral / active EE | $2,040 | $3,871-47.3% | $5,058-59.7% | $4,297-52.5% |
| Admin fee / account holder | $3,911 | $6,717-41.8% | $8,401-53.4% | $6,935-43.6% |