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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 | $26,286 | $86,298-69.5% | $111,308-76.4% | $85,847-69.4% |
| Participation rate | 37.5% | 73.3%-35.8pp | 77.3%-39.8pp | 69.3%-31.8pp |
| Annual return | 16.41% | 19.99%-3.6pp | 54.67%-38.3pp | 318.61%-302.2pp |
| Employer contribution / active EE | $1,001 | $2,044-51.0% | $2,732-63.4% | $2,565-61.0% |
| Participant deferral / active EE | $2,201 | $3,641-39.6% | $4,487-51.0% | $3,952-44.3% |
| Admin fee / account holder | $358 | $8,189-95.6% | $7,965-95.5% | $6,261-94.3% |