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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 | $15,447 | $65,367-76.4% | $92,915-83.4% | $72,976-78.8% |
| Participation rate | 55.3% | 68.3%-13.0pp | 76.0%-20.7pp | 69.5%-14.2pp |
| Annual return | 37.97% | 42.11%-4.1pp | 109.45%-71.5pp | 81.02%-43.0pp |
| Employer contribution / active EE | $1,687 | $2,594-35.0% | $3,653-53.8% | $2,440-30.9% |
| Participant deferral / active EE | $4,439 | $3,128+41.9% | $4,238+4.7% | $3,608+23.0% |
| Admin fee / account holder | $1,024 | $4,251-75.9% | $5,796-82.3% | $5,124-80.0% |