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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 | $13,232 | $91,198-85.5% | $178,503-92.6% | $79,856-83.4% |
| Participation rate | 34.1% | 69.2%-35.2pp | 81.9%-47.9pp | 69.6%-35.6pp |
| Annual return | 33.84% | 24.20%+9.6pp | 151.12%-117.3pp | 31.71%+2.1pp |
| Employer contribution / active EE | $460 | $3,257-85.9% | $5,011-90.8% | $2,471-81.4% |
| Participant deferral / active EE | $994 | $3,237-69.3% | $5,202-80.9% | $3,741-73.4% |
| Admin fee / account holder | $775 | $6,748-88.5% | $13,987-94.5% | $5,306-85.4% |