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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 | $27,896 | $162,812-82.9% | $133,971-79.2% | $158,966-82.5% |
| Participation rate | 55.6% | 83.2%-27.7pp | 79.8%-24.3pp | 82.0%-26.4pp |
| Annual return | 12.62% | 41.94%-29.3pp | 45.09%-32.5pp | 302.95%-290.3pp |
| Employer contribution / active EE | $1,381 | $4,976-72.2% | $3,919-64.8% | $4,762-71.0% |
| Participant deferral / active EE | $6,664 | $5,910+12.8% | $5,047+32.0% | $5,983+11.4% |
| Admin fee / account holder | $3,638 | $11,741-69.0% | $8,929-59.3% | $11,250-67.7% |