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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 | $30,683 | $91,559-66.5% | $133,978-77.1% | $79,856-61.6% |
| Participation rate | 52.9% | 73.3%-20.4pp | 79.8%-26.9pp | 69.6%-16.7pp |
| Annual return | 28.04% | 61.85%-33.8pp | 45.10%-17.1pp | 31.71%-3.7pp |
| Employer contribution / active EE | $1,461 | $2,384-38.7% | $3,919-62.7% | $2,471-40.9% |
| Participant deferral / active EE | $2,599 | $3,734-30.4% | $5,047-48.5% | $3,741-30.5% |
| Admin fee / account holder | $758 | $6,321-88.0% | $8,930-91.5% | $5,306-85.7% |