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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 | $15,056 | $52,580-71.4% | $71,671-79.0% | $70,126-78.5% |
| Participation rate | 30.4% | 60.9%-30.4pp | 68.7%-38.3pp | 69.5%-39.1pp |
| Annual return | 22.00% | 20.25%+1.7pp | 20.65%+1.4pp | 73.15%-51.1pp |
| Employer contribution / active EE | $1,069 | $1,616-33.8% | $2,460-56.5% | $2,343-54.4% |
| Participant deferral / active EE | $996 | $2,386-58.3% | $3,438-71.0% | $3,332-70.1% |
| Admin fee / account holder | $1,216 | $3,653-66.7% | $5,558-78.1% | $4,645-73.8% |