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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 | $15,423 | $81,476-81.1% | $102,383-84.9% | $80,925-80.9% |
| Participation rate | 35.7% | 66.8%-31.1pp | 74.5%-38.8pp | 67.7%-31.9pp |
| Annual return | 20.65% | 25.59%-4.9pp | 24.94%-4.3pp | 35.65%-15.0pp |
| Employer contribution / active EE | $1,339 | $3,105-56.9% | $3,870-65.4% | $2,756-51.4% |
| Participant deferral / active EE | $2,427 | $3,871-37.3% | $5,060-52.0% | $4,299-43.5% |
| Admin fee / account holder | $2,175 | $6,717-67.6% | $8,391-74.1% | $6,940-68.7% |