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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 | $15,476 | $71,215-78.3% | $93,696-83.5% | $80,935-80.9% |
| Participation rate | 43.6% | 60.4%-16.8pp | 68.7%-25.1pp | 67.7%-24.0pp |
| Annual return | 16.64% | 11.27%+5.4pp | 133.74%-117.1pp | 35.66%-19.0pp |
| Employer contribution / active EE | $1,071 | $1,565-31.6% | $2,422-55.8% | $2,757-61.2% |
| Participant deferral / active EE | $1,758 | $4,037-56.4% | $4,417-60.2% | $4,299-59.1% |
| Admin fee / account holder | $1,119 | $6,958-83.9% | $8,287-86.5% | $6,924-83.8% |