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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 | $21,586 | $78,670-72.6% | $109,173-80.2% | $85,847-74.9% |
| Participation rate | 55.6% | 68.3%-12.7pp | 75.9%-20.3pp | 69.3%-13.8pp |
| Annual return | 18.07% | 25.09%-7.0pp | 25.75%-7.7pp | 318.61%-300.5pp |
| Employer contribution / active EE | $1,339 | $2,734-51.0% | $3,723-64.0% | $2,565-47.8% |
| Participant deferral / active EE | $2,128 | $3,467-38.6% | $4,654-54.3% | $3,952-46.2% |
| Admin fee / account holder | $1,341 | $5,469-75.5% | $6,755-80.1% | $6,261-78.6% |