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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 | $8,999 | $52,306-82.8% | $69,779-87.1% | $62,881-85.7% |
| Participation rate | 40.0% | 67.2%-27.2pp | 71.8%-31.8pp | 69.3%-29.3pp |
| Annual return | 9.88% | 13.35%-3.5pp | 12.99%-3.1pp | 20.14%-10.3pp |
| Employer contribution / active EE | $811 | $1,799-54.9% | $2,338-65.3% | $2,281-64.5% |
| Participant deferral / active EE | $1,114 | $2,395-53.5% | $2,931-62.0% | $3,203-65.2% |
| Admin fee / account holder | $1,098 | $3,691-70.3% | $4,381-74.9% | $4,296-74.4% |