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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 | $3,555 | $57,590-93.8% | $86,233-95.9% | $82,448-95.7% |
| Participation rate | 55.3% | 57.9%-2.6pp | 69.0%-13.8pp | 68.1%-12.8pp |
| Annual return | 25.09% | 22.41%+2.7pp | 61.39%-36.3pp | 41.64%-16.6pp |
| Employer contribution / active EE | $565 | $1,655-65.9% | $2,504-77.4% | $2,551-77.9% |
| Participant deferral / active EE | $1,002 | $3,080-67.5% | $4,559-78.0% | $4,139-75.8% |
| Admin fee / account holder | $709 | $4,730-85.0% | $8,342-91.5% | $7,234-90.2% |