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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 | $17,338 | $65,034-73.3% | $90,970-80.9% | $79,856-78.3% |
| Participation rate | 60.0% | 61.6%-1.6pp | 69.0%-9.0pp | 69.6%-9.6pp |
| Annual return | 13.85% | 30.45%-16.6pp | 134.60%-120.7pp | 31.71%-17.9pp |
| Employer contribution / active EE | $1,006 | $1,247-19.3% | $2,122-52.6% | $2,471-59.3% |
| Participant deferral / active EE | $1,652 | $2,512-34.2% | $3,373-51.0% | $3,741-55.8% |
| Admin fee / account holder | $859 | $4,536-81.1% | $5,961-85.6% | $5,306-83.8% |