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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 | $8,253 | $93,346-91.2% | $71,796-88.5% | $273,972-97.0% |
| Participation rate | 47.8% | 76.5%-28.7pp | 69.1%-21.3pp | 83.0%-35.2pp |
| Annual return | 28.28% | 130.39%-102.1pp | 78.04%-49.8pp | 41.46%-13.2pp |
| Employer contribution / active EE | $385 | $2,733-85.9% | $1,924-80.0% | $4,869-92.1% |
| Participant deferral / active EE | $3,857 | $3,475+11.0% | $2,794+38.0% | $5,287-27.0% |
| Admin fee / account holder | $850 | $6,571-87.1% | $4,815-82.3% | $10,133-91.6% |