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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 | $12,288 | $47,944-74.4% | $67,834-81.9% | $62,881-80.5% |
| Participation rate | 69.6% | 61.1%+8.6pp | 68.8%+0.8pp | 69.3%+0.3pp |
| Annual return | 6.77% | 11.77%-5.0pp | 138.47%-131.7pp | 20.14%-13.4pp |
| Employer contribution / active EE | $1,848 | $1,562+18.3% | $2,403-23.1% | $2,281-19.0% |
| Participant deferral / active EE | $1,599 | $2,247-28.8% | $3,160-49.4% | $3,203-50.1% |
| Admin fee / account holder | $695 | $3,712-81.3% | $4,622-85.0% | $4,296-83.8% |