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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 | $27,328 | $78,707-65.3% | $117,861-76.8% | $70,126-61.0% |
| Participation rate | 65.9% | 73.2%-7.3pp | 79.7%-13.8pp | 69.5%-3.6pp |
| Annual return | 18.10% | 23.30%-5.2pp | 335.11%-317.0pp | 73.15%-55.0pp |
| Employer contribution / active EE | $1,135 | $2,223-49.0% | $3,786-70.0% | $2,343-51.5% |
| Participant deferral / active EE | $2,430 | $3,297-26.3% | $4,482-45.8% | $3,332-27.1% |
| Admin fee / account holder | $1,369 | $5,066-73.0% | $8,021-82.9% | $4,645-70.5% |