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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 | $14,835 | $78,670-81.1% | $109,173-86.4% | $85,847-82.7% |
| Participation rate | 54.3% | 68.3%-14.0pp | 75.9%-21.6pp | 69.3%-15.0pp |
| Annual return | 15.71% | 25.09%-9.4pp | 25.75%-10.0pp | 318.61%-302.9pp |
| Employer contribution / active EE | $786 | $2,734-71.3% | $3,723-78.9% | $2,565-69.4% |
| Participant deferral / active EE | $1,718 | $3,467-50.5% | $4,654-63.1% | $3,952-56.5% |
| Admin fee / account holder | $1,413 | $5,469-74.2% | $6,755-79.1% | $6,261-77.4% |