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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 | $18,266 | $86,298-78.8% | $111,308-83.6% | $85,847-78.7% |
| Participation rate | 69.0% | 73.3%-4.3pp | 77.3%-8.3pp | 69.3%-0.3pp |
| Annual return | 24.75% | 19.99%+4.8pp | 54.67%-29.9pp | 318.61%-293.9pp |
| Employer contribution / active EE | $642 | $2,044-68.6% | $2,732-76.5% | $2,565-75.0% |
| Participant deferral / active EE | $1,828 | $3,641-49.8% | $4,487-59.3% | $3,952-53.8% |
| Admin fee / account holder | $5,008 | $8,189-38.8% | $7,965-37.1% | $6,261-20.0% |