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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 | $14,939 | $90,745-83.5% | $130,270-88.5% | $75,177-80.1% |
| Participation rate | 40.0% | 71.1%-31.1pp | 76.3%-36.3pp | 67.2%-27.2pp |
| Annual return | 21.39% | 34.45%-13.1pp | 38.89%-17.5pp | 160.75%-139.4pp |
| Employer contribution / active EE | $1,924 | $3,314-41.9% | $4,128-53.4% | $2,671-28.0% |
| Participant deferral / active EE | $3,880 | $5,362-27.7% | $6,797-42.9% | $4,126-6.0% |
| Admin fee / account holder | $1,665 | $6,331-73.7% | $6,022-72.4% | $5,651-70.5% |