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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 | $9,218 | $72,486-87.3% | $87,103-89.4% | $72,976-87.4% |
| Participation rate | 35.4% | 72.8%-37.4pp | 76.9%-41.5pp | 69.5%-34.1pp |
| Annual return | 25.78% | 24.46%+1.3pp | 28.19%-2.4pp | 81.02%-55.2pp |
| Employer contribution / active EE | $817 | $1,894-56.9% | $2,521-67.6% | $2,440-66.5% |
| Participant deferral / active EE | $1,564 | $3,270-52.2% | $4,049-61.4% | $3,608-56.7% |
| Admin fee / account holder | $1,061 | $5,055-79.0% | $7,491-85.8% | $5,124-79.3% |