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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 | $145,431-80.5% | $211,142-86.6% | $87,485-67.5% |
| Participation rate | 65.4% | 84.7%-19.4pp | 87.3%-21.9pp | 68.9%-3.5pp |
| Annual return | 19.61% | 27.21%-7.6pp | 46.84%-27.2pp | 26.06%-6.4pp |
| Employer contribution / active EE | $1,876 | $4,662-59.7% | $6,442-70.9% | $2,596-27.7% |
| Participant deferral / active EE | $5,157 | $6,859-24.8% | $9,284-44.5% | $4,274+20.7% |
| Admin fee / account holder | $659 | $17,052-96.1% | $19,076-96.5% | $7,775-91.5% |