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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 | $17,833 | $73,978-75.9% | $96,515-81.5% | $75,173-76.3% |
| Participation rate | 35.4% | 66.4%-31.0pp | 74.3%-38.9pp | 67.2%-31.8pp |
| Annual return | 20.72% | 26.72%-6.0pp | 35.73%-15.0pp | 160.72%-140.0pp |
| Employer contribution / active EE | $750 | $2,931-74.4% | $3,740-79.9% | $2,671-71.9% |
| Participant deferral / active EE | $2,317 | $3,660-36.7% | $4,880-52.5% | $4,126-43.8% |
| Admin fee / account holder | $2,904 | $5,219-44.4% | $6,735-56.9% | $5,651-48.6% |