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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 | $16,786 | $81,504-79.4% | $102,437-83.6% | $80,959-79.3% |
| Participation rate | 67.9% | 66.9%+1.0pp | 74.5%-6.7pp | 67.7%+0.2pp |
| Annual return | 19.47% | 25.60%-6.1pp | 24.95%-5.5pp | 35.67%-16.2pp |
| Employer contribution / active EE | $2,025 | $3,104-34.8% | $3,871-47.7% | $2,757-26.6% |
| Participant deferral / active EE | $5,029 | $3,871+29.9% | $5,060-0.6% | $4,300+16.9% |
| Admin fee / account holder | $6,627 | $6,719-1.4% | $8,388-21.0% | $6,925-4.3% |