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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 | $9,223 | $47,944-80.8% | $67,834-86.4% | $62,881-85.3% |
| Participation rate | 53.5% | 61.1%-7.6pp | 68.8%-15.3pp | 69.3%-15.8pp |
| Annual return | 11.00% | 11.77%-0.8pp | 138.47%-127.5pp | 20.14%-9.1pp |
| Employer contribution / active EE | $1,074 | $1,562-31.3% | $2,403-55.3% | $2,281-52.9% |
| Participant deferral / active EE | $1,945 | $2,247-13.4% | $3,160-38.5% | $3,203-39.3% |
| Admin fee / account holder | $750 | $3,712-79.8% | $4,622-83.8% | $4,296-82.5% |