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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 | $20,468 | $138,393-85.2% | $184,256-88.9% | $80,959-74.7% |
| Participation rate | 46.5% | 83.9%-37.4pp | 86.8%-40.3pp | 67.7%-21.2pp |
| Annual return | 17.46% | 20.01%-2.5pp | 28.85%-11.4pp | 35.67%-18.2pp |
| Employer contribution / active EE | $2,282 | $4,847-52.9% | $6,427-64.5% | $2,757-17.2% |
| Participant deferral / active EE | $3,227 | $7,076-54.4% | $9,133-64.7% | $4,300-25.0% |
| Admin fee / account holder | $1,028 | $10,489-90.2% | $13,899-92.6% | $6,925-85.2% |