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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 | $17,929 | $72,177-75.2% | $115,037-84.4% | $59,633-69.9% |
| Participation rate | 59.6% | 72.6%-13.0pp | 81.4%-21.8pp | 68.7%-9.1pp |
| Annual return | 5.82% | 12.02%-6.2pp | 26.14%-20.3pp | 2041.40%-2035.6pp |
| Employer contribution / active EE | $2,857 | $2,841+0.5% | $4,608-38.0% | $2,203+29.7% |
| Participant deferral / active EE | $5,448 | $4,783+13.9% | $6,026-9.6% | $3,192+70.7% |
| Admin fee / account holder | $3,457 | $4,927-29.8% | $8,175-57.7% | $4,297-19.5% |