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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 | $16,837 | $56,894-70.4% | $84,753-80.1% | $62,881-73.2% |
| Participation rate | 63.0% | 68.5%-5.5pp | 76.6%-13.5pp | 69.3%-6.3pp |
| Annual return | 10.96% | 6.30%+4.7pp | 22.78%-11.8pp | 20.14%-9.2pp |
| Employer contribution / active EE | $3,072 | $2,400+28.0% | $3,574-14.1% | $2,281+34.7% |
| Participant deferral / active EE | $2,229 | $2,709-17.7% | $3,712-39.9% | $3,203-30.4% |
| Admin fee / account holder | $336 | $3,581-90.6% | $5,333-93.7% | $4,296-92.2% |