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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 | $28,093 | $86,940-67.7% | $102,434-72.6% | $80,935-65.3% |
| Participation rate | 69.6% | 72.4%-2.7pp | 76.5%-6.9pp | 67.7%+2.0pp |
| Annual return | 14.10% | 18.89%-4.8pp | 29.46%-15.4pp | 35.66%-21.6pp |
| Employer contribution / active EE | $1,127 | $2,370-52.5% | $3,023-62.7% | $2,757-59.1% |
| Participant deferral / active EE | $1,901 | $4,121-53.9% | $5,055-62.4% | $4,299-55.8% |
| Admin fee / account holder | $3,286 | $8,047-59.2% | $9,462-65.3% | $6,924-52.5% |