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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 | $7,093 | $57,119-87.6% | $85,187-91.7% | $80,935-91.2% |
| Participation rate | 64.0% | 56.4%+7.6pp | 67.5%-3.5pp | 67.7%-3.7pp |
| Annual return | 12.96% | 21.70%-8.7pp | 66.67%-53.7pp | 35.66%-22.7pp |
| Employer contribution / active EE | $913 | $1,802-49.3% | $2,732-66.6% | $2,757-66.9% |
| Participant deferral / active EE | $1,214 | $3,115-61.0% | $4,525-73.2% | $4,299-71.8% |
| Admin fee / account holder | $668 | $4,990-86.6% | $6,162-89.2% | $6,924-90.3% |