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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 | $9,559 | $84,236-88.7% | $170,435-94.4% | $70,126-86.4% |
| Participation rate | 35.2% | 70.8%-35.6pp | 83.6%-48.4pp | 69.5%-34.4pp |
| Annual return | 18.82% | 23.06%-4.2pp | 205.94%-187.1pp | 73.15%-54.3pp |
| Employer contribution / active EE | $720 | $3,387-78.8% | $5,432-86.8% | $2,343-69.3% |
| Participant deferral / active EE | $1,488 | $3,086-51.8% | $4,939-69.9% | $3,332-55.3% |
| Admin fee / account holder | $3,609 | $5,698-36.7% | $13,881-74.0% | $4,645-22.3% |