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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 | $10,230 | $78,707-87.0% | $117,861-91.3% | $70,126-85.4% |
| Participation rate | 64.0% | 73.2%-9.2pp | 79.7%-15.7pp | 69.5%-5.5pp |
| Annual return | 17.09% | 23.30%-6.2pp | 335.11%-318.0pp | 73.15%-56.1pp |
| Employer contribution / active EE | $1,061 | $2,223-52.3% | $3,786-72.0% | $2,343-54.7% |
| Participant deferral / active EE | $1,614 | $3,297-51.1% | $4,482-64.0% | $3,332-51.6% |
| Admin fee / account holder | $1,193 | $5,066-76.5% | $8,021-85.1% | $4,645-74.3% |