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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 | $9,527 | $48,364-80.3% | $71,796-86.7% | $62,881-84.8% |
| Participation rate | 52.6% | 60.6%-8.0pp | 69.1%-16.5pp | 69.3%-16.7pp |
| Annual return | 7.57% | 13.16%-5.6pp | 78.04%-70.5pp | 20.14%-12.6pp |
| Employer contribution / active EE | $644 | $1,042-38.2% | $1,924-66.5% | $2,281-71.8% |
| Participant deferral / active EE | $1,362 | $2,091-34.9% | $2,794-51.2% | $3,203-57.5% |
| Admin fee / account holder | $566 | $3,771-85.0% | $4,815-88.2% | $4,296-86.8% |