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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 | $26,716 | $138,393-80.7% | $184,256-85.5% | $80,959-67.0% |
| Participation rate | 69.7% | 83.9%-14.2pp | 86.8%-17.1pp | 67.7%+2.0pp |
| Annual return | 12.97% | 20.01%-7.0pp | 28.85%-15.9pp | 35.67%-22.7pp |
| Employer contribution / active EE | $3,114 | $4,847-35.8% | $6,427-51.6% | $2,757+12.9% |
| Participant deferral / active EE | $4,874 | $7,076-31.1% | $9,133-46.6% | $4,300+13.3% |
| Admin fee / account holder | $749 | $10,489-92.9% | $13,899-94.6% | $6,925-89.2% |