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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 | $15,546 | $65,367-76.2% | $92,915-83.3% | $72,976-78.7% |
| Participation rate | 69.1% | 68.3%+0.8pp | 76.0%-6.9pp | 69.5%-0.4pp |
| Annual return | 23.50% | 42.11%-18.6pp | 109.45%-85.9pp | 81.02%-57.5pp |
| Employer contribution / active EE | $2,006 | $2,594-22.7% | $3,653-45.1% | $2,440-17.8% |
| Participant deferral / active EE | $3,584 | $3,128+14.6% | $4,238-15.4% | $3,608-0.7% |
| Admin fee / account holder | $310 | $4,251-92.7% | $5,796-94.7% | $5,124-94.0% |