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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 | $12,745 | $59,804-78.7% | $81,982-84.5% | $79,856-84.0% |
| Participation rate | 61.0% | 61.6%-0.7pp | 69.3%-8.3pp | 69.6%-8.7pp |
| Annual return | 18.63% | 17.56%+1.1pp | 41.31%-22.7pp | 31.71%-13.1pp |
| Employer contribution / active EE | $1,738 | $1,713+1.4% | $2,498-30.4% | $2,471-29.7% |
| Participant deferral / active EE | $3,411 | $2,695+26.6% | $3,722-8.4% | $3,741-8.8% |
| Admin fee / account holder | $2,595 | $4,288-39.5% | $5,665-54.2% | $5,306-51.1% |