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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 | $17,488 | $72,027-75.7% | $185,835-90.6% | $79,852-78.1% |
| Participation rate | 55.2% | 65.8%-10.6pp | 78.0%-22.9pp | 69.6%-14.5pp |
| Annual return | 27.42% | 23.13%+4.3pp | 35.96%-8.5pp | 31.72%-4.3pp |
| Employer contribution / active EE | $1,621 | $1,965-17.5% | $4,087-60.3% | $2,471-34.4% |
| Participant deferral / active EE | $2,411 | $3,780-36.2% | $5,633-57.2% | $3,740-35.5% |
| Admin fee / account holder | $2,678 | $4,513-40.7% | $9,502-71.8% | $5,306-49.5% |