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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 | $19,685 | $101,795-80.7% | $165,100-88.1% | $80,959-75.7% |
| Participation rate | 52.9% | 71.8%-18.9pp | 78.6%-25.7pp | 67.7%-14.7pp |
| Annual return | 19.18% | 16.73%+2.5pp | 70.21%-51.0pp | 35.67%-16.5pp |
| Employer contribution / active EE | $2,109 | $2,954-28.6% | $4,348-51.5% | $2,757-23.5% |
| Participant deferral / active EE | $4,557 | $4,476+1.8% | $6,035-24.5% | $4,300+6.0% |
| Admin fee / account holder | $835 | $8,221-89.8% | $12,696-93.4% | $6,925-87.9% |