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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 | $20,440 | $70,418-71.0% | $96,570-78.8% | $85,847-76.2% |
| Participation rate | 68.0% | 61.8%+6.2pp | 69.8%-1.8pp | 69.3%-1.3pp |
| Annual return | 14.70% | 18.59%-3.9pp | 37.79%-23.1pp | 318.61%-303.9pp |
| Employer contribution / active EE | $1,790 | $1,413+26.6% | $2,357-24.1% | $2,565-30.2% |
| Participant deferral / active EE | $2,594 | $2,894-10.4% | $3,849-32.6% | $3,952-34.4% |
| Admin fee / account holder | $534 | $4,995-89.3% | $6,182-91.4% | $6,261-91.5% |