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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 | $14,564 | $153,769-90.5% | $133,975-89.1% | $273,972-94.7% |
| Participation rate | 64.3% | 88.4%-24.1pp | 87.1%-22.8pp | 83.0%-18.7pp |
| Annual return | 4.66% | 36.51%-31.8pp | 29.29%-24.6pp | 41.46%-36.8pp |
| Employer contribution / active EE | $3,226 | $6,029-46.5% | $5,211-38.1% | $4,869-33.7% |
| Participant deferral / active EE | $3,177 | $6,958-54.3% | $6,282-49.4% | $5,287-39.9% |
| Admin fee / account holder | $4,975 | $11,765-57.7% | $9,324-46.6% | $10,133-50.9% |