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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 | $5,569 | $61,356-90.9% | $149,696-96.3% | $71,511-92.2% |
| Participation rate | 67.5% | 62.5%+4.9pp | 78.8%-11.3pp | 67.9%-0.5pp |
| Annual return | 15.47% | 35.86%-20.4pp | 134.46%-119.0pp | 28.86%-13.4pp |
| Employer contribution / active EE | $929 | $2,382-61.0% | $4,821-80.7% | $2,589-64.1% |
| Participant deferral / active EE | $1,016 | $2,920-65.2% | $5,682-82.1% | $4,291-76.3% |
| Admin fee / account holder | $725 | $1,263-42.6% | $13,212-94.5% | $1,588-54.4% |