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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 | $19,792 | $60,349-67.2% | $74,184-73.3% | $62,881-68.5% |
| Participation rate | 51.4% | 72.7%-21.4pp | 76.6%-25.3pp | 69.3%-18.0pp |
| Annual return | 7.65% | 21.38%-13.7pp | 17.74%-10.1pp | 20.14%-12.5pp |
| Employer contribution / active EE | $1,828 | $1,680+8.8% | $2,370-22.9% | $2,281-19.9% |
| Participant deferral / active EE | $2,469 | $2,856-13.6% | $3,550-30.4% | $3,203-22.9% |
| Admin fee / account holder | $4,487 | $4,261+5.3% | $5,586-19.7% | $4,296+4.5% |