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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 | $10,830 | $60,349-82.1% | $74,184-85.4% | $62,881-82.8% |
| Participation rate | 64.0% | 72.7%-8.7pp | 76.6%-12.6pp | 69.3%-5.3pp |
| Annual return | 15.11% | 21.38%-6.3pp | 17.74%-2.6pp | 20.14%-5.0pp |
| Employer contribution / active EE | $1,959 | $1,680+16.6% | $2,370-17.3% | $2,281-14.1% |
| Participant deferral / active EE | $3,146 | $2,856+10.2% | $3,550-11.4% | $3,203-1.8% |
| Admin fee / account holder | $347 | $4,261-91.8% | $5,586-93.8% | $4,296-91.9% |