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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 | $7,939 | $71,057-88.8% | $93,654-91.5% | $80,874-90.2% |
| Participation rate | 55.4% | 60.4%-5.0pp | 68.7%-13.4pp | 67.6%-12.3pp |
| Annual return | 16.96% | 11.26%+5.7pp | 133.34%-116.4pp | 35.62%-18.7pp |
| Employer contribution / active EE | $941 | $1,564-39.8% | $2,421-61.1% | $2,756-65.8% |
| Participant deferral / active EE | $1,850 | $4,034-54.1% | $4,413-58.1% | $4,297-56.9% |
| Admin fee / account holder | $348 | $6,944-95.0% | $8,282-95.8% | $6,935-95.0% |