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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 | $27,121 | $86,949-68.8% | $102,460-73.5% | $80,959-66.5% |
| Participation rate | 48.4% | 72.4%-23.9pp | 76.5%-28.1pp | 67.7%-19.2pp |
| Annual return | 14.71% | 18.89%-4.2pp | 29.47%-14.8pp | 35.67%-21.0pp |
| Employer contribution / active EE | $1,739 | $2,370-26.6% | $3,025-42.5% | $2,757-36.9% |
| Participant deferral / active EE | $3,393 | $4,121-17.7% | $5,056-32.9% | $4,300-21.1% |
| Admin fee / account holder | $1,446 | $8,048-82.0% | $9,460-84.7% | $6,925-79.1% |