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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 | $9,680 | $77,638-87.5% | $156,551-93.8% | $62,881-84.6% |
| Participation rate | 50.7% | 71.2%-20.5pp | 84.0%-33.3pp | 69.3%-18.6pp |
| Annual return | 6.24% | 50.33%-44.1pp | 32.23%-26.0pp | 20.14%-13.9pp |
| Employer contribution / active EE | $538 | $3,444-84.4% | $5,501-90.2% | $2,281-76.4% |
| Participant deferral / active EE | $1,188 | $3,046-61.0% | $4,871-75.6% | $3,203-62.9% |
| Admin fee / account holder | $478 | $5,561-91.4% | $13,028-96.3% | $4,296-88.9% |