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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 | $8,350 | $77,901-89.3% | $149,717-94.4% | $75,181-88.9% |
| Participation rate | 62.7% | 65.6%-2.9pp | 78.8%-16.1pp | 67.2%-4.5pp |
| Annual return | 19.21% | 31.73%-12.5pp | 134.41%-115.2pp | 160.69%-141.5pp |
| Employer contribution / active EE | $996 | $3,137-68.2% | $4,820-79.3% | $2,671-62.7% |
| Participant deferral / active EE | $1,873 | $3,411-45.1% | $5,682-67.0% | $4,126-54.6% |
| Admin fee / account holder | $1,764 | $5,949-70.4% | $13,213-86.7% | $5,650-68.8% |