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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 | $19,510 | $76,551-74.5% | $123,894-84.3% | $62,881-69.0% |
| Participation rate | 63.9% | 73.0%-9.1pp | 81.4%-17.5pp | 69.3%-5.4pp |
| Annual return | 10.52% | 18.68%-8.2pp | 47.52%-37.0pp | 20.14%-9.6pp |
| Employer contribution / active EE | $1,574 | $2,882-45.4% | $4,617-65.9% | $2,281-31.0% |
| Participant deferral / active EE | $3,757 | $4,840-22.4% | $5,984-37.2% | $3,203+17.3% |
| Admin fee / account holder | $394 | $4,826-91.8% | $8,357-95.3% | $4,296-90.8% |