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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 | $16,997 | $76,551-77.8% | $123,894-86.3% | $62,881-73.0% |
| Participation rate | 66.7% | 73.0%-6.3pp | 81.4%-14.7pp | 69.3%-2.6pp |
| Annual return | 24.31% | 18.68%+5.6pp | 47.52%-23.2pp | 20.14%+4.2pp |
| Employer contribution / active EE | $5,795 | $2,882+101.1% | $4,617+25.5% | $2,281+154.1% |
| Participant deferral / active EE | $9,728 | $4,840+101.0% | $5,984+62.6% | $3,203+203.7% |
| Admin fee / account holder | $1,345 | $4,826-72.1% | $8,357-83.9% | $4,296-68.7% |