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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 | $27,851 | $101,798-72.6% | $165,071-83.1% | $80,935-65.6% |
| Participation rate | 42.9% | 71.8%-29.0pp | 78.6%-35.8pp | 67.7%-24.8pp |
| Annual return | 11.90% | 16.73%-4.8pp | 70.17%-58.3pp | 35.66%-23.8pp |
| Employer contribution / active EE | $1,465 | $2,954-50.4% | $4,347-66.3% | $2,757-46.9% |
| Participant deferral / active EE | $3,453 | $4,476-22.9% | $6,035-42.8% | $4,299-19.7% |
| Admin fee / account holder | $479 | $8,221-94.2% | $12,695-96.2% | $6,924-93.1% |