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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 | $12,379 | $84,236-85.3% | $170,439-92.7% | $70,124-82.3% |
| Participation rate | 56.8% | 70.8%-14.1pp | 83.6%-26.8pp | 69.5%-12.8pp |
| Annual return | 19.85% | 23.06%-3.2pp | 205.94%-186.1pp | 73.14%-53.3pp |
| Employer contribution / active EE | $1,974 | $3,387-41.7% | $5,433-63.7% | $2,342-15.7% |
| Participant deferral / active EE | $3,922 | $3,086+27.1% | $4,939-20.6% | $3,332+17.7% |
| Admin fee / account holder | $4,567 | $5,698-19.9% | $13,881-67.1% | $4,645-1.7% |