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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 | $17,976 | $72,492-75.2% | $87,104-79.4% | $72,975-75.4% |
| Participation rate | 57.1% | 72.8%-15.7pp | 76.9%-19.7pp | 69.5%-12.3pp |
| Annual return | 26.75% | 24.46%+2.3pp | 28.19%-1.4pp | 81.01%-54.3pp |
| Employer contribution / active EE | $1,364 | $1,894-28.0% | $2,521-45.9% | $2,440-44.1% |
| Participant deferral / active EE | $2,626 | $3,270-19.7% | $4,048-35.1% | $3,608-27.2% |
| Admin fee / account holder | $5,977 | $5,055+18.2% | $7,491-20.2% | $5,124+16.6% |