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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 | $26,157 | $71,523-63.4% | $98,461-73.4% | $71,511-63.4% |
| Participation rate | 50.0% | 72.7%-22.7pp | 75.2%-25.2pp | 67.9%-17.9pp |
| Annual return | 17.85% | 32.43%-14.6pp | 21.17%-3.3pp | 28.86%-11.0pp |
| Employer contribution / active EE | $1,465 | $2,399-38.9% | $3,049-51.9% | $2,589-43.4% |
| Participant deferral / active EE | $2,565 | $4,109-37.6% | $4,738-45.9% | $4,291-40.2% |
| Admin fee / account holder | $5,099 | $1,676+204.2% | $8,961-43.1% | $1,588+221.0% |