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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 | $9,360 | $103,949-91.0% | $69,182-86.5% | $273,972-96.6% |
| Participation rate | 66.7% | 67.4%-0.7pp | 55.1%+11.6pp | 83.0%-16.3pp |
| Annual return | 11.53% | 35.28%-23.8pp | -21.93%+33.5pp | 41.46%-29.9pp |
| Employer contribution / active EE | $1,008 | $1,783-43.5% | $1,206-16.4% | $4,869-79.3% |
| Participant deferral / active EE | $1,594 | $2,716-41.3% | $1,897-16.0% | $5,287-69.9% |
| Admin fee / account holder | $1,322 | $3,671-64.0% | $2,697-51.0% | $10,133-87.0% |