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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 | $23,515 | $98,766-76.2% | $149,730-84.3% | $79,852-70.6% |
| Participation rate | 52.3% | 75.8%-23.5pp | 82.5%-30.2pp | 69.6%-17.3pp |
| Annual return | 26.38% | 27.43%-1.1pp | 276.70%-250.3pp | 31.72%-5.3pp |
| Employer contribution / active EE | $1,527 | $3,217-52.5% | $4,645-67.1% | $2,471-38.2% |
| Participant deferral / active EE | $2,946 | $5,681-48.1% | $6,843-56.9% | $3,740-21.2% |
| Admin fee / account holder | $514 | $6,052-91.5% | $9,310-94.5% | $5,306-90.3% |