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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 | $23,005 | $98,766-76.7% | $149,730-84.6% | $79,852-71.2% |
| Participation rate | 54.8% | 75.8%-20.9pp | 82.5%-27.6pp | 69.6%-14.8pp |
| Annual return | 22.78% | 27.43%-4.7pp | 276.70%-253.9pp | 31.72%-8.9pp |
| Employer contribution / active EE | $2,170 | $3,217-32.5% | $4,645-53.3% | $2,471-12.2% |
| Participant deferral / active EE | $4,080 | $5,681-28.2% | $6,843-40.4% | $3,740+9.1% |
| Admin fee / account holder | $357 | $6,052-94.1% | $9,310-96.2% | $5,306-93.3% |