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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 | $1,299 | $36,790-96.5% | $85,187-98.5% | - |
| Participation rate | 31.3% | 47.2%-15.9pp | 67.5%-36.2pp | - |
| Annual return | 23.44% | 16.48%+7.0pp | 66.67%-43.2pp | - |
| Employer contribution / active EE | $354 | $1,404-74.8% | $2,732-87.0% | - |
| Participant deferral / active EE | $451 | $2,003-77.5% | $4,525-90.0% | - |
| Admin fee / account holder | $2,164 | $2,089+3.6% | $6,162-64.9% | - |