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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 | $7,268 | $57,073-87.3% | $85,126-91.5% | $80,925-91.0% |
| Participation rate | 52.2% | 56.4%-4.2pp | 67.5%-15.3pp | 67.7%-15.4pp |
| Annual return | 24.99% | 21.69%+3.3pp | 66.63%-41.6pp | 35.65%-10.7pp |
| Employer contribution / active EE | $1,140 | $1,801-36.7% | $2,731-58.3% | $2,756-58.6% |
| Participant deferral / active EE | $2,093 | $3,113-32.8% | $4,523-53.7% | $4,299-51.3% |
| Admin fee / account holder | $435 | $4,988-91.3% | $6,160-92.9% | $6,940-93.7% |