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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 | $20,215 | $76,834-73.7% | $108,359-81.3% | $87,485-76.9% |
| Participation rate | 66.7% | 61.7%+4.9pp | 70.1%-3.5pp | 68.9%-2.3pp |
| Annual return | 14.83% | 19.09%-4.3pp | 36.89%-22.1pp | 26.06%-11.2pp |
| Employer contribution / active EE | $1,265 | $1,556-18.7% | $2,399-47.3% | $2,596-51.3% |
| Participant deferral / active EE | $5,348 | $3,100+72.5% | $4,137+29.3% | $4,274+25.1% |
| Admin fee / account holder | $1,222 | $6,537-81.3% | $9,741-87.5% | $7,775-84.3% |