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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 | $81,504-81.1% | $102,437-84.9% | $80,959-80.9% |
| Participation rate | 35.7% | 66.9%-31.1pp | 74.5%-38.8pp | 67.7%-32.0pp |
| Annual return | 20.65% | 25.60%-4.9pp | 24.95%-4.3pp | 35.67%-15.0pp |
| Employer contribution / active EE | $1,339 | $3,104-56.8% | $3,871-65.4% | $2,757-51.4% |
| Participant deferral / active EE | $2,427 | $3,871-37.3% | $5,060-52.0% | $4,300-43.6% |
| Admin fee / account holder | $2,175 | $6,719-67.6% | $8,388-74.1% | $6,925-68.6% |