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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 | $19,838 | $63,114-68.6% | $92,909-78.6% | $65,185-69.6% |
| Participation rate | 46.0% | 68.8%-22.7pp | 76.0%-30.0pp | 70.2%-24.2pp |
| Annual return | 33.33% | 28.75%+4.6pp | 109.44%-76.1pp | 29.38%+3.9pp |
| Employer contribution / active EE | $1,464 | $2,571-43.0% | $3,653-59.9% | $2,177-32.7% |
| Participant deferral / active EE | $2,282 | $3,108-26.6% | $4,238-46.1% | $3,514-35.0% |
| Admin fee / account holder | $845 | $624+35.6% | $5,795-85.4% | $847-0.2% |