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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 | $19,792 | $72,273-72.6% | $101,275-80.5% | $79,856-75.2% |
| Participation rate | 63.4% | 68.5%-5.0pp | 75.8%-12.4pp | 69.6%-6.2pp |
| Annual return | 27.92% | 22.30%+5.6pp | 46.48%-18.6pp | 31.71%-3.8pp |
| Employer contribution / active EE | $2,158 | $2,691-19.8% | $3,660-41.1% | $2,471-12.7% |
| Participant deferral / active EE | $4,788 | $3,282+45.9% | $4,371+9.6% | $3,741+28.0% |
| Admin fee / account holder | $2,772 | $4,401-37.0% | $5,948-53.4% | $5,306-47.8% |