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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 | $18,294 | $71,230-74.3% | $93,727-80.5% | $80,959-77.4% |
| Participation rate | 41.8% | 60.4%-18.6pp | 68.7%-26.9pp | 67.7%-25.9pp |
| Annual return | 11.33% | 11.26%+0.1pp | 133.83%-122.5pp | 35.67%-24.3pp |
| Employer contribution / active EE | $918 | $1,565-41.3% | $2,421-62.1% | $2,757-66.7% |
| Participant deferral / active EE | $1,918 | $4,037-52.5% | $4,417-56.6% | $4,300-55.4% |
| Admin fee / account holder | $1,802 | $6,961-74.1% | $8,292-78.3% | $6,925-74.0% |