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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 | $14,709 | $92,573-84.1% | $85,946-82.9% | $86,983-83.1% |
| Participation rate | 53.8% | 70.5%-16.7pp | 77.2%-23.3pp | 69.5%-15.7pp |
| Annual return | 13.70% | 15.50%-1.8pp | 31.33%-17.6pp | 25.83%-12.1pp |
| Employer contribution / active EE | $2,063 | $4,254-51.5% | $4,539-54.6% | $2,584-20.2% |
| Participant deferral / active EE | $2,540 | $3,999-36.5% | $5,465-53.5% | $4,194-39.4% |
| Admin fee / account holder | $2,908 | $7,308-60.2% | $11,250-74.1% | $7,856-63.0% |