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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 | $19,303 | $71,208-72.9% | $93,681-79.4% | $80,911-76.1% |
| Participation rate | 68.1% | 60.4%+7.7pp | 68.7%-0.6pp | 67.6%+0.4pp |
| Annual return | 38.72% | 11.27%+27.5pp | 133.47%-94.7pp | 35.63%+3.1pp |
| Employer contribution / active EE | $2,414 | $1,564+54.3% | $2,422-0.3% | $2,756-12.4% |
| Participant deferral / active EE | $3,716 | $4,035-7.9% | $4,415-15.8% | $4,297-13.5% |
| Admin fee / account holder | $2,130 | $6,951-69.4% | $8,290-74.3% | $6,935-69.3% |