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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 | $18,311 | $72,269-74.7% | $101,271-81.9% | $79,852-77.1% |
| Participation rate | 44.4% | 68.5%-24.0pp | 75.8%-31.4pp | 69.6%-25.2pp |
| Annual return | 24.65% | 22.29%+2.4pp | 46.48%-21.8pp | 31.72%-7.1pp |
| Employer contribution / active EE | $1,154 | $2,692-57.1% | $3,660-68.5% | $2,471-53.3% |
| Participant deferral / active EE | $2,032 | $3,282-38.1% | $4,371-53.5% | $3,740-45.7% |
| Admin fee / account holder | $1,072 | $4,401-75.7% | $5,948-82.0% | $5,306-79.8% |