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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 | $26,916 | $86,940-69.0% | $102,434-73.7% | $80,935-66.7% |
| Participation rate | 50.0% | 72.4%-22.4pp | 76.5%-26.5pp | 67.7%-17.7pp |
| Annual return | 25.11% | 18.89%+6.2pp | 29.46%-4.3pp | 35.66%-10.5pp |
| Employer contribution / active EE | $2,071 | $2,370-12.6% | $3,023-31.5% | $2,757-24.9% |
| Participant deferral / active EE | $3,165 | $4,121-23.2% | $5,055-37.4% | $4,299-26.4% |
| Admin fee / account holder | $5,700 | $8,047-29.2% | $9,462-39.8% | $6,924-17.7% |