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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 | $13,443 | $58,523-77.0% | $99,475-86.5% | $72,975-81.6% |
| Participation rate | 27.5% | 64.6%-37.1pp | 73.8%-46.3pp | 69.5%-42.0pp |
| Annual return | 23.81% | 28.51%-4.7pp | 30.72%-6.9pp | 81.01%-57.2pp |
| Employer contribution / active EE | $642 | $1,512-57.6% | $2,540-74.7% | $2,440-73.7% |
| Participant deferral / active EE | $1,123 | $2,606-56.9% | $3,619-69.0% | $3,608-68.9% |
| Admin fee / account holder | $342 | $4,102-91.7% | $6,252-94.5% | $5,124-93.3% |