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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 | $7,540 | $93,064-91.9% | $74,577-89.9% | $273,972-97.2% |
| Participation rate | 45.0% | 74.9%-29.9pp | 68.1%-23.1pp | 83.0%-38.0pp |
| Annual return | 18.80% | 26.18%-7.4pp | 20.47%-1.7pp | 41.46%-22.7pp |
| Employer contribution / active EE | $1,060 | $3,160-66.5% | $2,525-58.0% | $4,869-78.2% |
| Participant deferral / active EE | $1,417 | $4,160-65.9% | $3,458-59.0% | $5,287-73.2% |
| Admin fee / account holder | $533 | $5,273-89.9% | $4,138-87.1% | $10,133-94.7% |