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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 | $36,910 | $146,267-74.8% | $197,124-81.3% | $82,448-55.2% |
| Participation rate | 57.7% | 84.0%-26.3pp | 86.7%-29.0pp | 68.1%-10.4pp |
| Annual return | 57.90% | 29.61%+28.3pp | 44.34%+13.6pp | 41.64%+16.3pp |
| Employer contribution / active EE | $2,522 | $4,723-46.6% | $6,227-59.5% | $2,551-1.1% |
| Participant deferral / active EE | $6,348 | $7,035-9.8% | $9,135-30.5% | $4,139+53.4% |
| Admin fee / account holder | $1,558 | $14,422-89.2% | $16,298-90.4% | $7,234-78.5% |