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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 | $19,667 | $73,978-73.4% | $96,515-79.6% | $75,173-73.8% |
| Participation rate | 67.6% | 66.4%+1.1pp | 74.3%-6.8pp | 67.2%+0.4pp |
| Annual return | 13.20% | 26.72%-13.5pp | 35.73%-22.5pp | 160.72%-147.5pp |
| Employer contribution / active EE | $982 | $2,931-66.5% | $3,740-73.7% | $2,671-63.2% |
| Participant deferral / active EE | $1,697 | $3,660-53.6% | $4,880-65.2% | $4,126-58.9% |
| Admin fee / account holder | $2,064 | $5,219-60.5% | $6,735-69.4% | $5,651-63.5% |