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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 | $14,738 | $76,551-80.7% | $123,894-88.1% | $62,881-76.6% |
| Participation rate | 55.2% | 73.0%-17.8pp | 81.4%-26.2pp | 69.3%-14.1pp |
| Annual return | 12.96% | 18.68%-5.7pp | 47.52%-34.6pp | 20.14%-7.2pp |
| Employer contribution / active EE | $1,007 | $2,882-65.1% | $4,617-78.2% | $2,281-55.8% |
| Participant deferral / active EE | $2,949 | $4,840-39.1% | $5,984-50.7% | $3,203-7.9% |
| Admin fee / account holder | $1,343 | $4,826-72.2% | $8,357-83.9% | $4,296-68.7% |