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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 | $6,107 | $48,053-87.3% | $84,637-92.8% | $72,976-91.6% |
| Participation rate | 56.0% | 57.6%-1.6pp | 68.2%-12.2pp | 69.5%-13.5pp |
| Annual return | 27.83% | 37.39%-9.6pp | 258.82%-231.0pp | 81.02%-53.2pp |
| Employer contribution / active EE | $841 | $1,602-47.5% | $2,653-68.3% | $2,440-65.5% |
| Participant deferral / active EE | $1,023 | $2,681-61.8% | $3,900-73.8% | $3,608-71.6% |
| Admin fee / account holder | $426 | $3,395-87.5% | $4,914-91.3% | $5,124-91.7% |