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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 | $19,666 | $73,988-73.4% | $96,538-79.6% | $75,177-73.8% |
| Participation rate | 56.7% | 66.4%-9.8pp | 74.3%-17.7pp | 67.2%-10.5pp |
| Annual return | 32.53% | 26.73%+5.8pp | 35.74%-3.2pp | 160.75%-128.2pp |
| Employer contribution / active EE | $1,630 | $2,930-44.4% | $3,740-56.4% | $2,671-39.0% |
| Participant deferral / active EE | $3,921 | $3,660+7.1% | $4,880-19.7% | $4,126-5.0% |
| Admin fee / account holder | $852 | $5,220-83.7% | $6,737-87.4% | $5,651-84.9% |