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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 | $22,417 | $86,294-74.0% | $111,303-79.9% | $85,856-73.9% |
| Participation rate | 46.7% | 73.3%-26.7pp | 77.3%-30.6pp | 69.3%-22.7pp |
| Annual return | 16.26% | 19.99%-3.7pp | 54.66%-38.4pp | 318.58%-302.3pp |
| Employer contribution / active EE | $1,038 | $2,043-49.2% | $2,731-62.0% | $2,565-59.5% |
| Participant deferral / active EE | $2,035 | $3,641-44.1% | $4,487-54.7% | $3,952-48.5% |
| Admin fee / account holder | $6,614 | $8,189-19.2% | $7,966-17.0% | $6,261+5.6% |