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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 | $18,550 | $73,978-74.9% | $96,515-80.8% | $75,173-75.3% |
| Participation rate | 57.5% | 66.4%-8.9pp | 74.3%-16.8pp | 67.2%-9.7pp |
| Annual return | 44.10% | 26.72%+17.4pp | 35.73%+8.4pp | 160.72%-116.6pp |
| Employer contribution / active EE | $1,516 | $2,931-48.3% | $3,740-59.5% | $2,671-43.2% |
| Participant deferral / active EE | $3,022 | $3,660-17.4% | $4,880-38.1% | $4,126-26.8% |
| Admin fee / account holder | $1,669 | $5,219-68.0% | $6,735-75.2% | $5,651-70.5% |