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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 | $17,699 | $81,504-78.3% | $102,437-82.7% | $80,959-78.1% |
| Participation rate | 56.3% | 66.9%-10.6pp | 74.5%-18.3pp | 67.7%-11.4pp |
| Annual return | 13.80% | 25.60%-11.8pp | 24.95%-11.2pp | 35.67%-21.9pp |
| Employer contribution / active EE | $1,588 | $3,104-48.8% | $3,871-59.0% | $2,757-42.4% |
| Participant deferral / active EE | $2,807 | $3,871-27.5% | $5,060-44.5% | $4,300-34.7% |
| Admin fee / account holder | $2,614 | $6,719-61.1% | $8,388-68.8% | $6,925-62.3% |