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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 | $9,928 | $78,682-87.4% | $109,188-90.9% | $85,851-88.4% |
| Participation rate | 55.6% | 68.3%-12.7pp | 75.9%-20.3pp | 69.3%-13.8pp |
| Annual return | 15.41% | 25.09%-9.7pp | 25.76%-10.3pp | 318.63%-303.2pp |
| Employer contribution / active EE | $1,249 | $2,734-54.3% | $3,723-66.4% | $2,565-51.3% |
| Participant deferral / active EE | $2,646 | $3,468-23.7% | $4,654-43.2% | $3,952-33.1% |
| Admin fee / account holder | $513 | $5,470-90.6% | $6,755-92.4% | $6,261-91.8% |