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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 | $12,012 | $65,364-81.6% | $92,909-87.1% | $72,975-83.5% |
| Participation rate | 55.2% | 68.3%-13.1pp | 76.0%-20.8pp | 69.5%-14.3pp |
| Annual return | 43.06% | 42.11%+1.0pp | 109.44%-66.4pp | 81.01%-37.9pp |
| Employer contribution / active EE | $2,339 | $2,594-9.9% | $3,653-36.0% | $2,440-4.2% |
| Participant deferral / active EE | $2,627 | $3,128-16.0% | $4,238-38.0% | $3,608-27.2% |
| Admin fee / account holder | $696 | $4,251-83.6% | $5,795-88.0% | $5,124-86.4% |