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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 | $10,312 | $76,551-86.5% | $123,894-91.7% | $62,881-83.6% |
| Participation rate | 63.0% | 73.0%-10.0pp | 81.4%-18.4pp | 69.3%-6.3pp |
| Annual return | 8.66% | 18.68%-10.0pp | 47.52%-38.9pp | 20.14%-11.5pp |
| Employer contribution / active EE | $895 | $2,882-69.0% | $4,617-80.6% | $2,281-60.8% |
| Participant deferral / active EE | $2,500 | $4,840-48.3% | $5,984-58.2% | $3,203-21.9% |
| Admin fee / account holder | $544 | $4,826-88.7% | $8,357-93.5% | $4,296-87.3% |