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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 | $18,716 | $76,112-75.4% | $96,544-80.6% | $71,529-73.8% |
| Participation rate | 28.6% | 74.4%-45.8pp | 76.0%-47.4pp | 67.9%-39.4pp |
| Annual return | 31.62% | 22.80%+8.8pp | 25.88%+5.7pp | 28.97%+2.6pp |
| Employer contribution / active EE | $900 | $2,248-60.0% | $2,966-69.7% | $2,590-65.3% |
| Participant deferral / active EE | $2,107 | $4,217-50.0% | $4,851-56.6% | $4,291-50.9% |
| Admin fee / account holder | $1,905 | $2,708-29.7% | $8,254-76.9% | $1,588+19.9% |