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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 | $17,324 | $65,364-73.5% | $92,909-81.4% | $72,975-76.3% |
| Participation rate | 57.1% | 68.3%-11.2pp | 76.0%-18.9pp | 69.5%-12.3pp |
| Annual return | 22.46% | 42.11%-19.6pp | 109.44%-87.0pp | 81.01%-58.6pp |
| Employer contribution / active EE | $1,284 | $2,594-50.5% | $3,653-64.9% | $2,440-47.4% |
| Participant deferral / active EE | $2,339 | $3,128-25.2% | $4,238-44.8% | $3,608-35.2% |
| Admin fee / account holder | $407 | $4,251-90.4% | $5,795-93.0% | $5,124-92.1% |