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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 | $18,206 | $72,269-74.8% | $101,271-82.0% | $79,852-77.2% |
| Participation rate | 50.0% | 68.5%-18.5pp | 75.8%-25.8pp | 69.6%-19.6pp |
| Annual return | 15.80% | 22.29%-6.5pp | 46.48%-30.7pp | 31.72%-15.9pp |
| Employer contribution / active EE | $1,114 | $2,692-58.6% | $3,660-69.6% | $2,471-54.9% |
| Participant deferral / active EE | $1,851 | $3,282-43.6% | $4,371-57.7% | $3,740-50.5% |
| Admin fee / account holder | $587 | $4,401-86.7% | $5,948-90.1% | $5,306-88.9% |