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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 | $11,700 | $52,580-77.7% | $71,671-83.7% | $70,126-83.3% |
| Participation rate | 63.3% | 60.9%+2.5pp | 68.7%-5.4pp | 69.5%-6.2pp |
| Annual return | 14.59% | 20.25%-5.7pp | 20.65%-6.1pp | 73.15%-58.6pp |
| Employer contribution / active EE | $1,114 | $1,616-31.0% | $2,460-54.7% | $2,343-52.4% |
| Participant deferral / active EE | $1,588 | $2,386-33.4% | $3,438-53.8% | $3,332-52.3% |
| Admin fee / account holder | $3,679 | $3,653+0.7% | $5,558-33.8% | $4,645-20.8% |