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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 | $26,471 | $101,795-74.0% | $165,100-84.0% | $80,959-67.3% |
| Participation rate | 44.2% | 71.8%-27.6pp | 78.6%-34.4pp | 67.7%-23.5pp |
| Annual return | 15.85% | 16.73%-0.9pp | 70.21%-54.4pp | 35.67%-19.8pp |
| Employer contribution / active EE | $2,542 | $2,954-13.9% | $4,348-41.5% | $2,757-7.8% |
| Participant deferral / active EE | $5,112 | $4,476+14.2% | $6,035-15.3% | $4,300+18.9% |
| Admin fee / account holder | $8,264 | $8,221+0.5% | $12,696-34.9% | $6,925+19.3% |