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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 | $7,104 | $56,110-87.3% | $94,993-92.5% | $70,126-89.9% |
| Participation rate | 38.5% | 65.0%-26.5pp | 73.9%-35.4pp | 69.5%-31.1pp |
| Annual return | 29.80% | 51.02%-21.2pp | 27.14%+2.7pp | 73.15%-43.4pp |
| Employer contribution / active EE | $522 | $1,442-63.8% | $2,603-80.0% | $2,343-77.7% |
| Participant deferral / active EE | $1,009 | $2,391-57.8% | $3,317-69.6% | $3,332-69.7% |
| Admin fee / account holder | $315 | $3,456-90.9% | $4,960-93.7% | $4,645-93.2% |