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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 | $14,371 | $65,364-78.0% | $92,909-84.5% | $72,975-80.3% |
| Participation rate | 42.9% | 68.3%-25.5pp | 76.0%-33.1pp | 69.5%-26.6pp |
| Annual return | 23.73% | 42.11%-18.4pp | 109.44%-85.7pp | 81.01%-57.3pp |
| Employer contribution / active EE | $1,108 | $2,594-57.3% | $3,653-69.7% | $2,440-54.6% |
| Participant deferral / active EE | $1,813 | $3,128-42.1% | $4,238-57.2% | $3,608-49.8% |
| Admin fee / account holder | $2,830 | $4,251-33.4% | $5,795-51.2% | $5,124-44.8% |