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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 | $8,964 | $81,331-89.0% | $155,534-94.2% | $80,935-88.9% |
| Participation rate | 33.3% | 66.3%-32.9pp | 78.2%-44.9pp | 67.7%-34.3pp |
| Annual return | 20.98% | 33.37%-12.4pp | 64.92%-43.9pp | 35.66%-14.7pp |
| Employer contribution / active EE | $486 | $3,105-84.3% | $4,675-89.6% | $2,757-82.4% |
| Participant deferral / active EE | $1,173 | $3,454-66.0% | $5,630-79.2% | $4,299-72.7% |
| Admin fee / account holder | $396 | $7,999-95.0% | $15,900-97.5% | $6,924-94.3% |