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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 | $6,782 | $81,331-91.7% | $155,534-95.6% | $80,935-91.6% |
| Participation rate | 56.3% | 66.3%-10.0pp | 78.2%-22.0pp | 67.7%-11.4pp |
| Annual return | 34.24% | 33.37%+0.9pp | 64.92%-30.7pp | 35.66%-1.4pp |
| Employer contribution / active EE | $913 | $3,105-70.6% | $4,675-80.5% | $2,757-66.9% |
| Participant deferral / active EE | $1,564 | $3,454-54.7% | $5,630-72.2% | $4,299-63.6% |
| Admin fee / account holder | $6,038 | $7,999-24.5% | $15,900-62.0% | $6,924-12.8% |