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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 | $15,099 | $56,894-73.5% | $84,753-82.2% | $62,881-76.0% |
| Participation rate | 60.0% | 68.5%-8.5pp | 76.6%-16.6pp | 69.3%-9.3pp |
| Annual return | 8.37% | 6.30%+2.1pp | 22.78%-14.4pp | 20.14%-11.8pp |
| Employer contribution / active EE | $2,132 | $2,400-11.2% | $3,574-40.4% | $2,281-6.5% |
| Participant deferral / active EE | $1,358 | $2,709-49.9% | $3,712-63.4% | $3,203-57.6% |
| Admin fee / account holder | $6,100 | $3,581+70.3% | $5,333+14.4% | $4,296+42.0% |