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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 | $10,194 | $65,364-84.4% | $92,909-89.0% | $72,975-86.0% |
| Participation rate | 58.1% | 68.3%-10.2pp | 76.0%-17.9pp | 69.5%-11.3pp |
| Annual return | 26.02% | 42.11%-16.1pp | 109.44%-83.4pp | 81.01%-55.0pp |
| Employer contribution / active EE | $617 | $2,594-76.2% | $3,653-83.1% | $2,440-74.7% |
| Participant deferral / active EE | $2,451 | $3,128-21.6% | $4,238-42.2% | $3,608-32.1% |
| Admin fee / account holder | $801 | $4,251-81.2% | $5,795-86.2% | $5,124-84.4% |