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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 | $14,490 | $72,273-80.0% | $101,275-85.7% | $79,856-81.9% |
| Participation rate | 54.4% | 68.5%-14.0pp | 75.8%-21.4pp | 69.6%-15.2pp |
| Annual return | 11.06% | 22.30%-11.2pp | 46.48%-35.4pp | 31.71%-20.7pp |
| Employer contribution / active EE | $1,315 | $2,691-51.1% | $3,660-64.1% | $2,471-46.8% |
| Participant deferral / active EE | $1,992 | $3,282-39.3% | $4,371-54.4% | $3,741-46.7% |
| Admin fee / account holder | $1,094 | $4,401-75.1% | $5,948-81.6% | $5,306-79.4% |