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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 | $11,252 | $93,064-87.9% | $74,577-84.9% | $273,970-95.9% |
| Participation rate | 56.3% | 74.9%-18.7pp | 68.1%-11.9pp | 83.0%-26.8pp |
| Annual return | 9.60% | 26.18%-16.6pp | 20.47%-10.9pp | 41.46%-31.9pp |
| Employer contribution / active EE | $1,595 | $3,160-49.5% | $2,525-36.9% | $4,869-67.2% |
| Participant deferral / active EE | $2,845 | $4,160-31.6% | $3,458-17.7% | $5,287-46.2% |
| Admin fee / account holder | $538 | $5,273-89.8% | $4,138-87.0% | $10,132-94.7% |