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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 | $24,760 | $167,415-85.2% | $140,514-82.4% | $198,609-87.5% |
| Participation rate | 50.0% | 80.9%-30.9pp | 77.8%-27.8pp | 82.4%-32.4pp |
| Annual return | 16.15% | 13.85%+2.3pp | 14.36%+1.8pp | 202.70%-186.5pp |
| Employer contribution / active EE | $2,322 | $4,088-43.2% | $3,378-31.3% | $5,055-54.1% |
| Participant deferral / active EE | $5,115 | $5,579-8.3% | $4,919+4.0% | $6,977-26.7% |
| Admin fee / account holder | $18,931 | $16,730+13.2% | $13,697+38.2% | $19,030-0.5% |