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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 | $26,736 | $108,825-75.4% | $156,181-82.9% | $82,448-67.6% |
| Participation rate | 69.4% | 72.4%-3.0pp | 78.8%-9.4pp | 68.1%+1.3pp |
| Annual return | 14.47% | 20.59%-6.1pp | 64.87%-50.4pp | 41.64%-27.2pp |
| Employer contribution / active EE | $2,536 | $2,870-11.6% | $4,294-40.9% | $2,551-0.6% |
| Participant deferral / active EE | $4,019 | $4,577-12.2% | $6,132-34.5% | $4,139-2.9% |
| Admin fee / account holder | $3,668 | $9,341-60.7% | $14,586-74.9% | $7,234-49.3% |