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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 | $22,172 | $72,492-69.4% | $87,104-74.5% | $72,975-69.6% |
| Participation rate | 64.5% | 72.8%-8.3pp | 76.9%-12.4pp | 69.5%-5.0pp |
| Annual return | 17.11% | 24.46%-7.3pp | 28.19%-11.1pp | 81.01%-63.9pp |
| Employer contribution / active EE | $1,289 | $1,894-31.9% | $2,521-48.9% | $2,440-47.2% |
| Participant deferral / active EE | $2,949 | $3,270-9.8% | $4,048-27.2% | $3,608-18.3% |
| Admin fee / account holder | $926 | $5,055-81.7% | $7,491-87.6% | $5,124-81.9% |