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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 | $7,918 | $48,432-83.7% | $121,204-93.5% | $71,511-88.9% |
| Participation rate | 57.1% | 54.3%+2.8pp | 69.5%-12.4pp | 67.9%-10.8pp |
| Annual return | 20.72% | 23.28%-2.6pp | 987.18%-966.5pp | 28.86%-8.1pp |
| Employer contribution / active EE | $854 | $1,493-42.8% | $4,170-79.5% | $2,589-67.0% |
| Participant deferral / active EE | $1,024 | $2,756-62.8% | $4,083-74.9% | $4,291-76.1% |
| Admin fee / account holder | $770 | $1,845-58.3% | $5,651-86.4% | $1,588-51.6% |