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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 | $29,764 | $87,834-66.1% | $133,975-77.8% | $62,881-52.7% |
| Participation rate | 60.2% | 83.4%-23.2pp | 87.1%-26.8pp | 69.3%-9.1pp |
| Annual return | 17.65% | 12.05%+5.6pp | 29.29%-11.6pp | 20.14%-2.5pp |
| Employer contribution / active EE | $2,189 | $3,482-37.1% | $5,211-58.0% | $2,281-4.0% |
| Participant deferral / active EE | $3,974 | $4,812-17.4% | $6,282-36.7% | $3,203+24.1% |
| Admin fee / account holder | $604 | $5,372-88.8% | $9,324-93.5% | $4,296-85.9% |