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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 | $11,833 | $76,551-84.5% | $123,894-90.4% | $62,881-81.2% |
| Participation rate | 62.9% | 73.0%-10.1pp | 81.4%-18.5pp | 69.3%-6.4pp |
| Annual return | 27.48% | 18.68%+8.8pp | 47.52%-20.0pp | 20.14%+7.3pp |
| Employer contribution / active EE | $1,764 | $2,882-38.8% | $4,617-61.8% | $2,281-22.7% |
| Participant deferral / active EE | $3,565 | $4,840-26.3% | $5,984-40.4% | $3,203+11.3% |
| Admin fee / account holder | $1,587 | $4,826-67.1% | $8,357-81.0% | $4,296-63.0% |