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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 | $25,616 | $77,569-67.0% | $115,599-77.8% | $64,097-60.0% |
| Participation rate | 33.2% | 60.7%-27.5pp | 74.3%-41.1pp | 55.2%-22.0pp |
| Annual return | 23.30% | 18.52%+4.8pp | 111.10%-87.8pp | 34.64%-11.3pp |
| Employer contribution / active EE | $1,068 | $1,915-44.2% | $2,955-63.9% | $1,891-43.5% |
| Participant deferral / active EE | $2,197 | $3,327-34.0% | $4,889-55.1% | $3,080-28.7% |
| Admin fee / account holder | $1,697 | $4,470-62.0% | $12,841-86.8% | $3,454-50.9% |