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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 | $11,588 | $56,054-79.3% | $171,082-93.2% | $62,881-81.6% |
| Participation rate | 69.4% | 62.9%+6.6pp | 76.7%-7.3pp | 69.3%+0.1pp |
| Annual return | 7.25% | 22.52%-15.3pp | 32.56%-25.3pp | 20.14%-12.9pp |
| Employer contribution / active EE | $872 | $1,731-49.7% | $4,002-78.2% | $2,281-61.8% |
| Participant deferral / active EE | $2,475 | $3,158-21.6% | $4,797-48.4% | $3,203-22.7% |
| Admin fee / account holder | $5,967 | $3,647+63.6% | $8,520-30.0% | $4,296+38.9% |