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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 | $71,057-74.3% | $93,654-80.5% | $80,874-77.4% |
| Participation rate | 41.8% | 60.4%-18.6pp | 68.7%-26.9pp | 67.6%-25.9pp |
| Annual return | 11.33% | 11.26%+0.1pp | 133.34%-122.0pp | 35.62%-24.3pp |
| Employer contribution / active EE | $918 | $1,564-41.3% | $2,421-62.1% | $2,756-66.7% |
| Participant deferral / active EE | $1,918 | $4,034-52.4% | $4,413-56.5% | $4,297-55.4% |
| Admin fee / account holder | $1,802 | $6,944-74.1% | $8,282-78.2% | $6,935-74.0% |