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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 | $3,368 | $54,757-93.8% | $90,304-96.3% | $72,975-95.4% |
| Participation rate | 63.0% | 65.2%-2.2pp | 73.3%-10.3pp | 69.5%-6.5pp |
| Annual return | 21.45% | 30.63%-9.2pp | 78.13%-56.7pp | 81.01%-59.6pp |
| Employer contribution / active EE | $547 | $2,093-73.8% | $2,855-80.8% | $2,440-77.6% |
| Participant deferral / active EE | $1,065 | $2,887-63.1% | $3,885-72.6% | $3,608-70.5% |
| Admin fee / account holder | $468 | $3,973-88.2% | $5,354-91.3% | $5,124-90.9% |