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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 | $16,030 | $73,978-78.3% | $96,515-83.4% | $75,173-78.7% |
| Participation rate | 69.0% | 66.4%+2.5pp | 74.3%-5.4pp | 67.2%+1.8pp |
| Annual return | 75.52% | 26.72%+48.8pp | 35.73%+39.8pp | 160.72%-85.2pp |
| Employer contribution / active EE | $1,264 | $2,931-56.9% | $3,740-66.2% | $2,671-52.7% |
| Participant deferral / active EE | $2,162 | $3,660-40.9% | $4,880-55.7% | $4,126-47.6% |
| Admin fee / account holder | $305 | $5,219-94.2% | $6,735-95.5% | $5,651-94.6% |