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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 | $22,496 | $76,371-70.5% | $93,621-76.0% | $72,976-69.2% |
| Participation rate | 32.6% | 71.8%-39.1pp | 75.8%-43.2pp | 69.5%-36.9pp |
| Annual return | 33.01% | 25.82%+7.2pp | 32.76%+0.3pp | 81.02%-48.0pp |
| Employer contribution / active EE | $673 | $2,276-70.4% | $2,719-75.2% | $2,440-72.4% |
| Participant deferral / active EE | $1,598 | $3,538-54.8% | $4,070-60.7% | $3,608-55.7% |
| Admin fee / account holder | $4,643 | $6,839-32.1% | $7,890-41.2% | $5,124-9.4% |