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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 | $4,986 | $32,037-84.4% | $69,182-92.8% | $62,881-92.1% |
| Participation rate | 64.9% | 43.4%+21.4pp | 55.1%+9.8pp | 69.3%-4.4pp |
| Annual return | 6.10% | 15.16%-9.1pp | -21.93%+28.0pp | 20.14%-14.0pp |
| Employer contribution / active EE | $201 | $679-70.4% | $1,206-83.3% | $2,281-91.2% |
| Participant deferral / active EE | $734 | $1,185-38.1% | $1,897-61.3% | $3,203-77.1% |
| Admin fee / account holder | $309 | $2,608-88.2% | $2,697-88.5% | $4,296-92.8% |