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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 | $10,138 | $53,774-81.1% | $134,162-92.4% | $79,856-87.3% |
| Participation rate | 51.4% | 58.8%-7.3pp | 72.2%-20.8pp | 69.6%-18.2pp |
| Annual return | 31.90% | 19.01%+12.9pp | 36.35%-4.4pp | 31.71%+0.2pp |
| Employer contribution / active EE | $1,231 | $1,322-6.8% | $3,705-66.8% | $2,471-50.2% |
| Participant deferral / active EE | $1,626 | $2,420-32.8% | $3,500-53.5% | $3,741-56.5% |
| Admin fee / account holder | $365 | $3,985-90.8% | $6,685-94.5% | $5,306-93.1% |