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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 | $26,902 | $86,949-69.1% | $102,460-73.7% | $80,959-66.8% |
| Participation rate | 63.8% | 72.4%-8.6pp | 76.5%-12.7pp | 67.7%-3.8pp |
| Annual return | 16.63% | 18.89%-2.3pp | 29.47%-12.8pp | 35.67%-19.0pp |
| Employer contribution / active EE | $1,730 | $2,370-27.0% | $3,025-42.8% | $2,757-37.3% |
| Participant deferral / active EE | $5,835 | $4,121+41.6% | $5,056+15.4% | $4,300+35.7% |
| Admin fee / account holder | $1,924 | $8,048-76.1% | $9,460-79.7% | $6,925-72.2% |