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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 | $16,955 | $65,364-74.1% | $92,909-81.8% | $72,975-76.8% |
| Participation rate | 68.0% | 68.3%-0.3pp | 76.0%-8.0pp | 69.5%-1.5pp |
| Annual return | 29.10% | 42.11%-13.0pp | 109.44%-80.3pp | 81.01%-51.9pp |
| Employer contribution / active EE | $1,875 | $2,594-27.7% | $3,653-48.7% | $2,440-23.2% |
| Participant deferral / active EE | $4,806 | $3,128+53.6% | $4,238+13.4% | $3,608+33.2% |
| Admin fee / account holder | $472 | $4,251-88.9% | $5,795-91.8% | $5,124-90.8% |