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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 | $15,152 | $78,027-80.6% | $178,528-91.5% | $80,925-81.3% |
| Participation rate | 63.0% | 65.7%-2.6pp | 77.1%-14.1pp | 67.7%-4.6pp |
| Annual return | 13.38% | 18.09%-4.7pp | 27.11%-13.7pp | 35.65%-22.3pp |
| Employer contribution / active EE | $1,641 | $2,281-28.1% | $3,950-58.5% | $2,756-40.5% |
| Participant deferral / active EE | $2,901 | $4,408-34.2% | $6,278-53.8% | $4,299-32.5% |
| Admin fee / account holder | $1,225 | $7,168-82.9% | $10,419-88.2% | $6,940-82.3% |