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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 | $9,987 | $60,165-83.4% | $74,184-86.5% | $55,167-81.9% |
| Participation rate | 61.0% | 74.2%-13.1pp | 76.6%-15.6pp | 69.0%-8.0pp |
| Annual return | 5.75% | 10.00%-4.2pp | 17.74%-12.0pp | 169.23%-163.5pp |
| Employer contribution / active EE | $1,161 | $1,600-27.4% | $2,370-51.0% | $1,963-40.9% |
| Participant deferral / active EE | $1,839 | $2,973-38.1% | $3,550-48.2% | $3,054-39.8% |
| Admin fee / account holder | $638 | $419+52.3% | $5,586-88.6% | $504+26.7% |