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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 | $26,342 | $86,298-69.5% | $111,308-76.3% | $85,847-69.3% |
| Participation rate | 68.8% | 73.3%-4.6pp | 77.3%-8.6pp | 69.3%-0.6pp |
| Annual return | 11.82% | 19.99%-8.2pp | 54.67%-42.8pp | 318.61%-306.8pp |
| Employer contribution / active EE | $930 | $2,044-54.5% | $2,732-66.0% | $2,565-63.8% |
| Participant deferral / active EE | $2,147 | $3,641-41.0% | $4,487-52.2% | $3,952-45.7% |
| Admin fee / account holder | $682 | $8,189-91.7% | $7,965-91.4% | $6,261-89.1% |