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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 | $18,270 | $79,961-77.2% | $98,462-81.4% | $75,177-75.7% |
| Participation rate | 65.5% | 70.4%-4.8pp | 75.2%-9.7pp | 67.2%-1.7pp |
| Annual return | 20.90% | 19.75%+1.2pp | 21.17%-0.3pp | 160.75%-139.8pp |
| Employer contribution / active EE | $877 | $2,264-61.3% | $3,049-71.2% | $2,671-67.2% |
| Participant deferral / active EE | $3,326 | $3,753-11.4% | $4,738-29.8% | $4,126-19.4% |
| Admin fee / account holder | $3,098 | $6,842-54.7% | $8,875-65.1% | $5,651-45.2% |