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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 | $50,751 | $254,759-80.1% | $216,567-76.6% | $198,609-74.4% |
| Participation rate | 60.9% | 84.5%-23.6pp | 81.6%-20.8pp | 82.4%-21.5pp |
| Annual return | 20.06% | 10.04%+10.0pp | 12.94%+7.1pp | 202.70%-182.6pp |
| Employer contribution / active EE | $1,651 | $6,096-72.9% | $5,216-68.3% | $5,055-67.3% |
| Participant deferral / active EE | $5,047 | $6,948-27.4% | $6,191-18.5% | $6,977-27.7% |
| Admin fee / account holder | $328 | $26,311-98.8% | $21,981-98.5% | $19,030-98.3% |