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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 | $81,504-86.2% | $102,437-89.1% | $80,959-86.2% |
| Participation rate | 69.2% | 66.9%+2.4pp | 74.5%-5.3pp | 67.7%+1.6pp |
| Annual return | 11.03% | 25.60%-14.6pp | 24.95%-13.9pp | 35.67%-24.6pp |
| Employer contribution / active EE | $1,627 | $3,104-47.6% | $3,871-58.0% | $2,757-41.0% |
| Participant deferral / active EE | $2,329 | $3,871-39.8% | $5,060-54.0% | $4,300-45.8% |
| Admin fee / account holder | $417 | $6,719-93.8% | $8,388-95.0% | $6,925-94.0% |