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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 | $38,136 | $146,267-73.9% | $197,124-80.7% | $82,448-53.7% |
| Participation rate | 68.0% | 84.0%-16.0pp | 86.7%-18.7pp | 68.1%-0.1pp |
| Annual return | 20.60% | 29.61%-9.0pp | 44.34%-23.7pp | 41.64%-21.0pp |
| Employer contribution / active EE | $2,296 | $4,723-51.4% | $6,227-63.1% | $2,551-10.0% |
| Participant deferral / active EE | $3,295 | $7,035-53.2% | $9,135-63.9% | $4,139-20.4% |
| Admin fee / account holder | $620 | $14,422-95.7% | $16,298-96.2% | $7,234-91.4% |