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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 | $17,723 | $72,273-75.5% | $101,275-82.5% | $79,856-77.8% |
| Participation rate | 68.6% | 68.5%+0.1pp | 75.8%-7.2pp | 69.6%-1.1pp |
| Annual return | 20.67% | 22.30%-1.6pp | 46.48%-25.8pp | 31.71%-11.0pp |
| Employer contribution / active EE | $2,744 | $2,691+2.0% | $3,660-25.0% | $2,471+11.0% |
| Participant deferral / active EE | $4,316 | $3,282+31.5% | $4,371-1.2% | $3,741+15.4% |
| Admin fee / account holder | $1,038 | $4,401-76.4% | $5,948-82.6% | $5,306-80.4% |