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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 | $24,564 | $80,992-69.7% | $96,534-74.6% | $75,173-67.3% |
| Participation rate | 50.8% | 71.8%-20.9pp | 76.0%-25.1pp | 67.2%-16.4pp |
| Annual return | 20.07% | 27.05%-7.0pp | 25.88%-5.8pp | 160.72%-140.6pp |
| Employer contribution / active EE | $1,340 | $2,283-41.3% | $2,965-54.8% | $2,671-49.8% |
| Participant deferral / active EE | $2,463 | $3,929-37.3% | $4,851-49.2% | $4,126-40.3% |
| Admin fee / account holder | $1,463 | $6,717-78.2% | $8,253-82.3% | $5,651-74.1% |