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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 | $28,396 | $146,267-80.6% | $197,124-85.6% | $82,448-65.6% |
| Participation rate | 65.4% | 84.0%-18.6pp | 86.7%-21.3pp | 68.1%-2.7pp |
| Annual return | 19.61% | 29.61%-10.0pp | 44.34%-24.7pp | 41.64%-22.0pp |
| Employer contribution / active EE | $1,876 | $4,723-60.3% | $6,227-69.9% | $2,551-26.4% |
| Participant deferral / active EE | $5,157 | $7,035-26.7% | $9,135-43.5% | $4,139+24.6% |
| Admin fee / account holder | $659 | $14,422-95.4% | $16,298-96.0% | $7,234-90.9% |