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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 | $6,147 | $77,962-92.1% | $178,540-96.6% | $80,935-92.4% |
| Participation rate | 45.2% | 65.7%-20.4pp | 77.1%-31.9pp | 67.7%-22.4pp |
| Annual return | 13.47% | 18.10%-4.6pp | 27.15%-13.7pp | 35.66%-22.2pp |
| Employer contribution / active EE | $896 | $2,280-60.7% | $3,953-77.3% | $2,757-67.5% |
| Participant deferral / active EE | $2,206 | $4,404-49.9% | $6,281-64.9% | $4,299-48.7% |
| Admin fee / account holder | $6,559 | $7,156-8.3% | $10,424-37.1% | $6,924-5.3% |