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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 | $9,193 | $78,027-88.2% | $178,528-94.9% | $80,925-88.6% |
| Participation rate | 58.9% | 65.7%-6.7pp | 77.1%-18.2pp | 67.7%-8.7pp |
| Annual return | 13.43% | 18.09%-4.7pp | 27.11%-13.7pp | 35.65%-22.2pp |
| Employer contribution / active EE | $1,302 | $2,281-42.9% | $3,950-67.0% | $2,756-52.8% |
| Participant deferral / active EE | $2,229 | $4,408-49.4% | $6,278-64.5% | $4,299-48.1% |
| Admin fee / account holder | $438 | $7,168-93.9% | $10,419-95.8% | $6,940-93.7% |