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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 | $10,615 | $93,346-88.6% | $71,796-85.2% | $273,972-96.1% |
| Participation rate | 45.0% | 76.5%-31.5pp | 69.1%-24.1pp | 83.0%-38.0pp |
| Annual return | 41.04% | 130.39%-89.3pp | 78.04%-37.0pp | 41.46%-0.4pp |
| Employer contribution / active EE | $1,513 | $2,733-44.7% | $1,924-21.4% | $4,869-68.9% |
| Participant deferral / active EE | $3,295 | $3,475-5.2% | $2,794+17.9% | $5,287-37.7% |
| Admin fee / account holder | $438 | $6,571-93.3% | $4,815-90.9% | $10,133-95.7% |