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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 | $23,114 | $101,763-77.3% | $164,866-86.0% | $80,874-71.4% |
| Participation rate | 53.1% | 71.8%-18.7pp | 78.6%-25.5pp | 67.6%-14.5pp |
| Annual return | 14.38% | 16.73%-2.3pp | 69.97%-55.6pp | 35.62%-21.2pp |
| Employer contribution / active EE | $1,230 | $2,954-58.4% | $4,343-71.7% | $2,756-55.4% |
| Participant deferral / active EE | $2,191 | $4,477-51.1% | $6,033-63.7% | $4,297-49.0% |
| Admin fee / account holder | $8,688 | $8,228+5.6% | $12,689-31.5% | $6,935+25.3% |