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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 | $25,782 | $101,798-74.7% | $165,071-84.4% | $80,935-68.1% |
| Participation rate | 38.2% | 71.8%-33.6pp | 78.6%-40.4pp | 67.7%-29.4pp |
| Annual return | 16.28% | 16.73%-0.4pp | 70.17%-53.9pp | 35.66%-19.4pp |
| Employer contribution / active EE | $1,159 | $2,954-60.8% | $4,347-73.3% | $2,757-58.0% |
| Participant deferral / active EE | $2,274 | $4,476-49.2% | $6,035-62.3% | $4,299-47.1% |
| Admin fee / account holder | $2,505 | $8,221-69.5% | $12,695-80.3% | $6,924-63.8% |