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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 | $9,690 | $65,395-85.2% | $182,558-94.7% | $72,976-86.7% |
| Participation rate | 51.6% | 65.4%-13.8pp | 78.0%-26.4pp | 69.5%-17.9pp |
| Annual return | 29.24% | 27.68%+1.6pp | 148.59%-119.4pp | 81.02%-51.8pp |
| Employer contribution / active EE | $1,255 | $1,911-34.3% | $4,076-69.2% | $2,440-48.6% |
| Participant deferral / active EE | $2,051 | $3,563-42.4% | $5,526-62.9% | $3,608-43.2% |
| Admin fee / account holder | $583 | $4,245-86.3% | $8,594-93.2% | $5,124-88.6% |