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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 | $26,905 | $101,798-73.6% | $165,071-83.7% | $80,935-66.8% |
| Participation rate | 63.8% | 71.8%-8.0pp | 78.6%-14.8pp | 67.7%-3.9pp |
| Annual return | 14.51% | 16.73%-2.2pp | 70.17%-55.7pp | 35.66%-21.1pp |
| Employer contribution / active EE | $1,574 | $2,954-46.7% | $4,347-63.8% | $2,757-42.9% |
| Participant deferral / active EE | $3,122 | $4,476-30.3% | $6,035-48.3% | $4,299-27.4% |
| Admin fee / account holder | $876 | $8,221-89.3% | $12,695-93.1% | $6,924-87.4% |