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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 | $17,172 | $106,524-83.9% | $152,301-88.7% | $87,485-80.4% |
| Participation rate | 54.4% | 75.8%-21.3pp | 82.4%-28.0pp | 68.9%-14.5pp |
| Annual return | 19.55% | 26.89%-7.3pp | 80.50%-61.0pp | 26.06%-6.5pp |
| Employer contribution / active EE | $2,505 | $3,371-25.7% | $4,624-45.8% | $2,596-3.5% |
| Participant deferral / active EE | $2,988 | $6,525-54.2% | $8,004-62.7% | $4,274-30.1% |
| Admin fee / account holder | $2,754 | $8,287-66.8% | $14,398-80.9% | $7,775-64.6% |