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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 | $13,237 | $135,956-90.3% | $123,894-89.3% | $273,972-95.2% |
| Participation rate | 69.2% | 84.1%-14.8pp | 81.4%-12.2pp | 83.0%-13.8pp |
| Annual return | 10.77% | 56.63%-45.9pp | 47.52%-36.7pp | 41.46%-30.7pp |
| Employer contribution / active EE | $1,703 | $5,170-67.1% | $4,617-63.1% | $4,869-65.0% |
| Participant deferral / active EE | $3,849 | $6,343-39.3% | $5,984-35.7% | $5,287-27.2% |
| Admin fee / account holder | $826 | $9,817-91.6% | $8,357-90.1% | $10,133-91.8% |