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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 | $7,399 | $63,346-88.3% | $92,240-92.0% | $70,126-89.4% |
| Participation rate | 58.2% | 68.7%-10.4pp | 76.5%-18.2pp | 69.5%-11.3pp |
| Annual return | 24.31% | 530.19%-505.9pp | 176.29%-152.0pp | 73.15%-48.8pp |
| Employer contribution / active EE | $827 | $2,471-66.6% | $3,680-77.5% | $2,343-64.7% |
| Participant deferral / active EE | $2,000 | $2,854-29.9% | $3,897-48.7% | $3,332-40.0% |
| Admin fee / account holder | $510 | $3,841-86.7% | $5,194-90.2% | $4,645-89.0% |