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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 | $24,761 | $80,781-69.3% | $102,437-75.8% | $74,478-66.8% |
| Participation rate | 33.6% | 65.7%-32.1pp | 74.5%-40.9pp | 67.2%-33.6pp |
| Annual return | 12.06% | 27.58%-15.5pp | 24.95%-12.9pp | 1370.56%-1358.5pp |
| Employer contribution / active EE | $1,380 | $3,160-56.3% | $3,871-64.3% | $2,626-47.5% |
| Participant deferral / active EE | $1,910 | $3,862-50.5% | $5,060-62.2% | $4,350-56.1% |
| Admin fee / account holder | $2,595 | $2,372+9.4% | $8,388-69.1% | $1,946+33.4% |