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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 | $13,453 | $77,472-82.6% | $100,392-86.6% | $80,935-83.4% |
| Participation rate | 68.5% | 76.9%-8.4pp | 81.5%-13.0pp | 67.7%+0.9pp |
| Annual return | 37.99% | 37.26%+0.7pp | 49.45%-11.5pp | 35.66%+2.3pp |
| Employer contribution / active EE | $1,531 | $2,800-45.3% | $3,941-61.1% | $2,757-44.5% |
| Participant deferral / active EE | $3,033 | $6,818-55.5% | $8,090-62.5% | $4,299-29.5% |
| Admin fee / account holder | $1,018 | $5,885-82.7% | $7,904-87.1% | $6,924-85.3% |