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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 | $21,510 | $50,643-57.5% | $106,619-79.8% | $55,167-61.0% |
| Participation rate | 58.9% | 65.6%-6.6pp | 78.0%-19.1pp | 69.0%-10.1pp |
| Annual return | 7.03% | 7.02%0pp | 9.42%-2.4pp | 169.23%-162.2pp |
| Employer contribution / active EE | $958 | $1,626-41.1% | $3,947-75.7% | $1,963-51.2% |
| Participant deferral / active EE | $1,201 | $2,208-45.6% | $3,930-69.4% | $3,054-60.7% |
| Admin fee / account holder | $460 | $488-5.8% | $6,418-92.8% | $504-8.8% |