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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 | $8,346 | $49,025-83.0% | $87,502-90.5% | $62,881-86.7% |
| Participation rate | 41.0% | 64.9%-23.9pp | 73.8%-32.9pp | 69.3%-28.3pp |
| Annual return | 10.14% | 10.02%+0.1pp | 12.21%-2.1pp | 20.14%-10.0pp |
| Employer contribution / active EE | $733 | $1,372-46.6% | $2,550-71.3% | $2,281-67.9% |
| Participant deferral / active EE | $1,165 | $2,289-49.1% | $3,149-63.0% | $3,203-63.6% |
| Admin fee / account holder | $558 | $4,065-86.3% | $4,221-86.8% | $4,296-87.0% |