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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 | $6,195 | $106,247-94.2% | $96,515-93.6% | $139,466-95.6% |
| Participation rate | 33.3% | 77.8%-44.5pp | 74.3%-41.0pp | 80.3%-47.0pp |
| Annual return | 13.55% | 38.47%-24.9pp | 35.73%-22.2pp | 373.66%-360.1pp |
| Employer contribution / active EE | $1,134 | $4,106-72.4% | $3,740-69.7% | $4,754-76.2% |
| Participant deferral / active EE | $4,891 | $5,456-10.3% | $4,880+0.2% | $6,712-27.1% |
| Admin fee / account holder | $863 | $7,885-89.1% | $6,735-87.2% | $11,409-92.4% |