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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 | $9,211 | $65,367-85.9% | $92,915-90.1% | $72,976-87.4% |
| Participation rate | 58.2% | 68.3%-10.1pp | 76.0%-17.8pp | 69.5%-11.3pp |
| Annual return | 23.28% | 42.11%-18.8pp | 109.45%-86.2pp | 81.02%-57.7pp |
| Employer contribution / active EE | $1,240 | $2,594-52.2% | $3,653-66.1% | $2,440-49.2% |
| Participant deferral / active EE | $1,981 | $3,128-36.7% | $4,238-53.3% | $3,608-45.1% |
| Admin fee / account holder | $394 | $4,251-90.7% | $5,796-93.2% | $5,124-92.3% |