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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 | $4,010 | $181,896-97.8% | $156,551-97.4% | $273,972-98.5% |
| Participation rate | 55.6% | 88.4%-32.8pp | 84.0%-28.5pp | 83.0%-27.5pp |
| Annual return | 3.83% | 30.74%-26.9pp | 32.23%-28.4pp | 41.46%-37.6pp |
| Employer contribution / active EE | $1,400 | $6,248-77.6% | $5,501-74.6% | $4,869-71.2% |
| Participant deferral / active EE | $2,055 | $5,550-63.0% | $4,871-57.8% | $5,287-61.1% |
| Admin fee / account holder | $2,471 | $15,560-84.1% | $13,028-81.0% | $10,133-75.6% |