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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 | $35,589 | $125,797-71.7% | $170,028-79.1% | $75,181-52.7% |
| Participation rate | 67.6% | 83.6%-16.0pp | 87.0%-19.4pp | 67.2%+0.4pp |
| Annual return | 51.65% | 27.20%+24.4pp | 53.39%-1.7pp | 160.69%-109.0pp |
| Employer contribution / active EE | $2,079 | $4,616-55.0% | $6,788-69.4% | $2,671-22.2% |
| Participant deferral / active EE | $9,124 | $6,838+33.4% | $10,409-12.3% | $4,126+121.1% |
| Admin fee / account holder | $9,895 | $8,177+21.0% | $12,820-22.8% | $5,650+75.1% |