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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 | $20,506 | $81,457-74.8% | $103,378-80.2% | $80,911-74.7% |
| Participation rate | 34.7% | 66.8%-32.2pp | 74.5%-39.8pp | 67.6%-33.0pp |
| Annual return | 16.27% | 25.58%-9.3pp | 24.91%-8.6pp | 35.63%-19.4pp |
| Employer contribution / active EE | $1,415 | $3,107-54.5% | $3,870-63.4% | $2,756-48.7% |
| Participant deferral / active EE | $2,049 | $3,871-47.1% | $5,058-59.5% | $4,297-52.3% |
| Admin fee / account holder | $921 | $6,717-86.3% | $8,401-89.0% | $6,935-86.7% |