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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 | $19,749 | $93,617-78.9% | $135,982-85.5% | $75,177-73.7% |
| Participation rate | 60.3% | 75.2%-14.9pp | 81.9%-21.7pp | 67.2%-6.9pp |
| Annual return | 20.21% | 30.89%-10.7pp | 68.32%-48.1pp | 160.75%-140.5pp |
| Employer contribution / active EE | $1,573 | $3,538-55.5% | $4,859-67.6% | $2,671-41.1% |
| Participant deferral / active EE | $2,712 | $6,406-57.7% | $7,760-65.0% | $4,126-34.3% |
| Admin fee / account holder | $4,110 | $6,980-41.1% | $10,767-61.8% | $5,651-27.3% |