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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 | $8,974 | $72,486-87.6% | $87,103-89.7% | $72,976-87.7% |
| Participation rate | 67.9% | 72.8%-5.0pp | 76.9%-9.0pp | 69.5%-1.6pp |
| Annual return | 26.03% | 24.46%+1.6pp | 28.19%-2.2pp | 81.02%-55.0pp |
| Employer contribution / active EE | $676 | $1,894-64.3% | $2,521-73.2% | $2,440-72.3% |
| Participant deferral / active EE | $1,986 | $3,270-39.3% | $4,049-51.0% | $3,608-45.0% |
| Admin fee / account holder | $613 | $5,055-87.9% | $7,491-91.8% | $5,124-88.0% |