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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 | $20,239 | $80,983-75.0% | $96,544-79.0% | $75,177-73.1% |
| Participation rate | 44.2% | 71.8%-27.6pp | 76.0%-31.8pp | 67.2%-23.0pp |
| Annual return | 17.44% | 27.05%-9.6pp | 25.88%-8.4pp | 160.75%-143.3pp |
| Employer contribution / active EE | $729 | $2,282-68.1% | $2,966-75.4% | $2,671-72.7% |
| Participant deferral / active EE | $1,950 | $3,929-50.4% | $4,851-59.8% | $4,126-52.7% |
| Admin fee / account holder | $2,519 | $6,717-62.5% | $8,254-69.5% | $5,651-55.4% |