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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 | $11,212 | $81,446-86.2% | $103,374-89.2% | $80,874-86.1% |
| Participation rate | 69.2% | 66.9%+2.4pp | 74.5%-5.3pp | 67.6%+1.6pp |
| Annual return | 11.03% | 25.57%-14.5pp | 24.89%-13.9pp | 35.62%-24.6pp |
| Employer contribution / active EE | $1,627 | $3,107-47.6% | $3,869-57.9% | $2,756-40.9% |
| Participant deferral / active EE | $2,329 | $3,870-39.8% | $5,058-54.0% | $4,297-45.8% |
| Admin fee / account holder | $417 | $6,715-93.8% | $8,394-95.0% | $6,935-94.0% |