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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 | $8,903 | $46,464-80.8% | $150,298-94.1% | $79,634-88.8% |
| Participation rate | 16.0% | 57.0%-40.9pp | 77.8%-61.7pp | 62.5%-46.5pp |
| Annual return | 32.38% | 27.89%+4.5pp | 62.79%-30.4pp | 36.46%-4.1pp |
| Employer contribution / active EE | $270 | $1,512-82.1% | $4,154-93.5% | $2,529-89.3% |
| Participant deferral / active EE | $556 | $2,157-74.2% | $5,453-89.8% | $3,835-85.5% |
| Admin fee / account holder | $923 | $891+3.6% | $14,116-93.5% | $1,002-7.9% |