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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 | $25,040 | $67,602-63.0% | $82,312-69.6% | $70,126-64.3% |
| Participation rate | 69.7% | 72.8%-3.1pp | 76.9%-7.2pp | 69.5%+0.2pp |
| Annual return | 18.33% | 21.57%-3.2pp | 25.88%-7.6pp | 73.15%-54.8pp |
| Employer contribution / active EE | $1,544 | $1,755-12.0% | $2,428-36.4% | $2,343-34.1% |
| Participant deferral / active EE | $2,207 | $2,987-26.1% | $3,706-40.5% | $3,332-33.8% |
| Admin fee / account holder | $542 | $4,512-88.0% | $5,608-90.3% | $4,645-88.3% |