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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 | $21,132 | $78,423-73.1% | $95,964-78.0% | $79,856-73.5% |
| Participation rate | 43.3% | 73.5%-30.2pp | 77.1%-33.8pp | 69.6%-26.3pp |
| Annual return | 22.65% | 19.37%+3.3pp | 91.64%-69.0pp | 31.71%-9.1pp |
| Employer contribution / active EE | $1,260 | $1,945-35.2% | $2,541-50.4% | $2,471-49.0% |
| Participant deferral / active EE | $2,449 | $3,440-28.8% | $4,167-41.2% | $3,741-34.5% |
| Admin fee / account holder | $370 | $5,622-93.4% | $6,797-94.6% | $5,306-93.0% |