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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 | $17,409 | $71,057-75.5% | $93,654-81.4% | $80,874-78.5% |
| Participation rate | 36.4% | 60.4%-24.0pp | 68.7%-32.4pp | 67.6%-31.3pp |
| Annual return | 12.42% | 11.26%+1.2pp | 133.34%-120.9pp | 35.62%-23.2pp |
| Employer contribution / active EE | $979 | $1,564-37.4% | $2,421-59.6% | $2,756-64.5% |
| Participant deferral / active EE | $1,342 | $4,034-66.7% | $4,413-69.6% | $4,297-68.8% |
| Admin fee / account holder | $1,086 | $6,944-84.4% | $8,282-86.9% | $6,935-84.3% |