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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 | $26,891 | $78,423-65.7% | $95,964-72.0% | $79,856-66.3% |
| Participation rate | 58.6% | 73.5%-14.9pp | 77.1%-18.5pp | 69.6%-11.0pp |
| Annual return | 15.24% | 19.37%-4.1pp | 91.64%-76.4pp | 31.71%-16.5pp |
| Employer contribution / active EE | $620 | $1,945-68.1% | $2,541-75.6% | $2,471-74.9% |
| Participant deferral / active EE | $3,015 | $3,440-12.3% | $4,167-27.6% | $3,741-19.4% |
| Admin fee / account holder | $4,058 | $5,622-27.8% | $6,797-40.3% | $5,306-23.5% |