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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 | $25,248 | $79,961-68.4% | $98,462-74.4% | $75,177-66.4% |
| Participation rate | 61.3% | 70.4%-9.1pp | 75.2%-13.9pp | 67.2%-5.9pp |
| Annual return | 13.60% | 19.75%-6.1pp | 21.17%-7.6pp | 160.75%-147.2pp |
| Employer contribution / active EE | $1,357 | $2,264-40.1% | $3,049-55.5% | $2,671-49.2% |
| Participant deferral / active EE | $2,335 | $3,753-37.8% | $4,738-50.7% | $4,126-43.4% |
| Admin fee / account holder | $5,447 | $6,842-20.4% | $8,875-38.6% | $5,651-3.6% |