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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 | $11,470 | $72,273-84.1% | $101,275-88.7% | $79,856-85.6% |
| Participation rate | 58.8% | 68.5%-9.6pp | 75.8%-17.0pp | 69.6%-10.8pp |
| Annual return | 48.52% | 22.30%+26.2pp | 46.48%+2.0pp | 31.71%+16.8pp |
| Employer contribution / active EE | $2,771 | $2,691+3.0% | $3,660-24.3% | $2,471+12.1% |
| Participant deferral / active EE | $3,688 | $3,282+12.4% | $4,371-15.6% | $3,741-1.4% |
| Admin fee / account holder | $403 | $4,401-90.8% | $5,948-93.2% | $5,306-92.4% |