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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 | $12,407 | $46,072-73.1% | $69,779-82.2% | $55,167-77.5% |
| Participation rate | 42.9% | 67.5%-24.6pp | 71.8%-29.0pp | 69.0%-26.1pp |
| Annual return | 6.59% | 8.68%-2.1pp | 12.99%-6.4pp | 169.23%-162.6pp |
| Employer contribution / active EE | $869 | $1,500-42.1% | $2,338-62.8% | $1,963-55.7% |
| Participant deferral / active EE | $1,321 | $2,344-43.7% | $2,931-54.9% | $3,054-56.8% |
| Admin fee / account holder | $445 | $428+4.0% | $4,381-89.8% | $504-11.7% |