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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 | $13,213 | $76,551-82.7% | $123,894-89.3% | $62,881-79.0% |
| Participation rate | 54.2% | 73.0%-18.7pp | 81.4%-27.2pp | 69.3%-15.1pp |
| Annual return | 6.95% | 18.68%-11.7pp | 47.52%-40.6pp | 20.14%-13.2pp |
| Employer contribution / active EE | $632 | $2,882-78.1% | $4,617-86.3% | $2,281-72.3% |
| Participant deferral / active EE | $2,655 | $4,840-45.1% | $5,984-55.6% | $3,203-17.1% |
| Admin fee / account holder | $2,587 | $4,826-46.4% | $8,357-69.0% | $4,296-39.8% |