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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 | $18,289 | $132,310-86.2% | $105,754-82.7% | $273,972-93.3% |
| Participation rate | 66.7% | 83.2%-16.5pp | 78.9%-12.2pp | 83.0%-16.3pp |
| Annual return | 10.86% | 10.08%+0.8pp | 12.25%-1.4pp | 41.46%-30.6pp |
| Employer contribution / active EE | $3,041 | $4,867-37.5% | $4,079-25.4% | $4,869-37.5% |
| Participant deferral / active EE | $3,826 | $6,233-38.6% | $5,326-28.2% | $5,287-27.6% |
| Admin fee / account holder | $1,583 | $12,036-86.8% | $8,309-80.9% | $10,133-84.4% |