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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 | $21,331 | $69,977-69.5% | $108,582-80.4% | $62,881-66.1% |
| Participation rate | 65.9% | 72.9%-7.0pp | 79.6%-13.7pp | 69.3%-3.5pp |
| Annual return | 7.50% | 10.73%-3.2pp | -51.70%+59.2pp | 20.14%-12.6pp |
| Employer contribution / active EE | $1,183 | $2,135-44.6% | $3,758-68.5% | $2,281-48.2% |
| Participant deferral / active EE | $2,544 | $3,165-19.6% | $4,311-41.0% | $3,203-20.6% |
| Admin fee / account holder | $378 | $5,076-92.6% | $7,645-95.1% | $4,296-91.2% |