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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 | $4,620 | $100,125-95.4% | $81,482-94.3% | $145,978-96.8% |
| Participation rate | 52.4% | 74.2%-21.8pp | 69.5%-17.1pp | 80.3%-27.9pp |
| Annual return | 36.76% | 34.44%+2.3pp | 24.79%+12.0pp | 550.52%-513.8pp |
| Employer contribution / active EE | $615 | $2,977-79.4% | $2,463-75.0% | $4,662-86.8% |
| Participant deferral / active EE | $2,156 | $4,609-53.2% | $3,885-44.5% | $6,690-67.8% |
| Admin fee / account holder | $718 | $8,198-91.2% | $5,761-87.5% | $13,400-94.6% |