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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 | $13,195 | $78,670-83.2% | $109,173-87.9% | $85,847-84.6% |
| Participation rate | 67.5% | 68.3%-0.7pp | 75.9%-8.3pp | 69.3%-1.8pp |
| Annual return | 18.91% | 25.09%-6.2pp | 25.75%-6.8pp | 318.61%-299.7pp |
| Employer contribution / active EE | $1,503 | $2,734-45.0% | $3,723-59.6% | $2,565-41.4% |
| Participant deferral / active EE | $2,008 | $3,467-42.1% | $4,654-56.8% | $3,952-49.2% |
| Admin fee / account holder | $450 | $5,469-91.8% | $6,755-93.3% | $6,261-92.8% |