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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 | $26,867 | $86,288-68.9% | $111,306-75.9% | $85,851-68.7% |
| Participation rate | 64.3% | 73.3%-9.1pp | 77.3%-13.0pp | 69.3%-5.0pp |
| Annual return | 18.31% | 19.99%-1.7pp | 54.67%-36.4pp | 318.63%-300.3pp |
| Employer contribution / active EE | $2,146 | $2,044+5.0% | $2,732-21.5% | $2,565-16.4% |
| Participant deferral / active EE | $3,327 | $3,641-8.6% | $4,488-25.9% | $3,952-15.8% |
| Admin fee / account holder | $7,330 | $8,189-10.5% | $7,966-8.0% | $6,261+17.1% |