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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 | $77,962-80.6% | $178,540-91.5% | $80,935-81.3% |
| Participation rate | 63.0% | 65.7%-2.6pp | 77.1%-14.1pp | 67.7%-4.6pp |
| Annual return | 13.38% | 18.10%-4.7pp | 27.15%-13.8pp | 35.66%-22.3pp |
| Employer contribution / active EE | $1,641 | $2,280-28.0% | $3,953-58.5% | $2,757-40.5% |
| Participant deferral / active EE | $2,901 | $4,404-34.1% | $6,281-53.8% | $4,299-32.5% |
| Admin fee / account holder | $1,225 | $7,156-82.9% | $10,424-88.2% | $6,924-82.3% |