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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 | $5,875 | $55,930-89.5% | $76,089-92.3% | $80,925-92.7% |
| Participation rate | 53.8% | 62.1%-8.2pp | 69.1%-15.2pp | 67.7%-13.8pp |
| Annual return | 13.32% | 20.58%-7.3pp | 360.94%-347.6pp | 35.65%-22.3pp |
| Employer contribution / active EE | $674 | $1,866-63.9% | $2,690-74.9% | $2,756-75.5% |
| Participant deferral / active EE | $1,141 | $3,051-62.6% | $4,259-73.2% | $4,299-73.5% |
| Admin fee / account holder | $420 | $5,241-92.0% | $6,418-93.5% | $6,940-93.9% |