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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 | $24,899 | $80,983-69.3% | $96,544-74.2% | $75,177-66.9% |
| Participation rate | 30.3% | 71.8%-41.5pp | 76.0%-45.7pp | 67.2%-36.9pp |
| Annual return | 15.34% | 27.05%-11.7pp | 25.88%-10.5pp | 160.75%-145.4pp |
| Employer contribution / active EE | $905 | $2,282-60.3% | $2,966-69.5% | $2,671-66.1% |
| Participant deferral / active EE | $2,165 | $3,929-44.9% | $4,851-55.4% | $4,126-47.5% |
| Admin fee / account holder | $339 | $6,717-95.0% | $8,254-95.9% | $5,651-94.0% |