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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 | $22,235 | $136,860-83.8% | $120,344-81.5% | $154,746-85.6% |
| Participation rate | 66.7% | 79.9%-13.2pp | 76.7%-10.0pp | 80.7%-14.0pp |
| Annual return | 20.63% | 21.38%-0.7pp | 20.30%+0.3pp | 172.34%-151.7pp |
| Employer contribution / active EE | $1,206 | $3,533-65.9% | $3,020-60.1% | $4,379-72.5% |
| Participant deferral / active EE | $2,070 | $5,793-64.3% | $5,135-59.7% | $6,730-69.2% |
| Admin fee / account holder | $2,360 | $15,393-84.7% | $12,742-81.5% | $14,365-83.6% |