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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 | $12,661 | $78,428-83.9% | $95,960-86.8% | $79,852-84.1% |
| Participation rate | 52.4% | 73.5%-21.1pp | 77.1%-24.7pp | 69.6%-17.3pp |
| Annual return | 21.46% | 19.37%+2.1pp | 91.63%-70.2pp | 31.72%-10.3pp |
| Employer contribution / active EE | $1,813 | $1,945-6.8% | $2,541-28.7% | $2,471-26.6% |
| Participant deferral / active EE | $3,321 | $3,440-3.5% | $4,167-20.3% | $3,740-11.2% |
| Admin fee / account holder | $3,663 | $5,622-34.9% | $6,797-46.1% | $5,306-31.0% |