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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 | $14,942 | $57,828-74.2% | $117,039-87.2% | $70,126-78.7% |
| Participation rate | 60.9% | 67.1%-6.2pp | 77.2%-16.2pp | 69.5%-8.6pp |
| Annual return | 21.07% | 17.55%+3.5pp | 18.95%+2.1pp | 73.15%-52.1pp |
| Employer contribution / active EE | $1,468 | $1,816-19.2% | $3,785-61.2% | $2,343-37.3% |
| Participant deferral / active EE | $1,921 | $2,438-21.2% | $3,929-51.1% | $3,332-42.3% |
| Admin fee / account holder | $553 | $3,548-84.4% | $5,974-90.7% | $4,645-88.1% |