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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 | $7,734 | $45,079-82.8% | $69,461-88.9% | $72,983-89.4% |
| Participation rate | 63.0% | 68.5%-5.5pp | 74.6%-11.6pp | 69.5%-6.5pp |
| Annual return | 18.23% | 22.65%-4.4pp | 28.97%-10.7pp | 81.01%-62.8pp |
| Employer contribution / active EE | $1,415 | $2,055-31.1% | $2,779-49.1% | $2,440-42.0% |
| Participant deferral / active EE | $1,698 | $2,603-34.8% | $3,536-52.0% | $3,608-52.9% |
| Admin fee / account holder | $829 | $3,056-72.9% | $3,840-78.4% | $5,124-83.8% |