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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 | $5,100 | $58,627-91.3% | $76,735-93.4% | $82,448-93.8% |
| Participation rate | 55.4% | 63.2%-7.8pp | 69.5%-14.1pp | 68.1%-12.6pp |
| Annual return | 21.68% | 39.10%-17.4pp | 29.77%-8.1pp | 41.64%-20.0pp |
| Employer contribution / active EE | $461 | $1,729-73.3% | $2,454-81.2% | $2,551-81.9% |
| Participant deferral / active EE | $1,116 | $3,134-64.4% | $4,088-72.7% | $4,139-73.0% |
| Admin fee / account holder | $415 | $5,323-92.2% | $7,189-94.2% | $7,234-94.3% |