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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 | $6,776 | $71,878-90.6% | $86,698-92.2% | $68,486-90.1% |
| Participation rate | 65.6% | 72.2%-6.6pp | 76.6%-11.0pp | 67.9%-2.3pp |
| Annual return | 22.81% | 3.53%+19.3pp | 35.95%-13.1pp | -7.85%+30.7pp |
| Employer contribution / active EE | $1,950 | $2,173-10.3% | $2,837-31.3% | $2,597-24.9% |
| Participant deferral / active EE | $2,307 | $3,779-39.0% | $4,656-50.5% | $4,028-42.7% |
| Admin fee / account holder | $1,079 | $6,113-82.3% | $7,493-85.6% | $5,404-80.0% |