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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 | $6,646 | $58,627-88.7% | $76,735-91.3% | $82,448-91.9% |
| Participation rate | 64.4% | 63.2%+1.2pp | 69.5%-5.1pp | 68.1%-3.7pp |
| Annual return | 18.86% | 39.10%-20.2pp | 29.77%-10.9pp | 41.64%-22.8pp |
| Employer contribution / active EE | $403 | $1,729-76.7% | $2,454-83.6% | $2,551-84.2% |
| Participant deferral / active EE | $1,646 | $3,134-47.5% | $4,088-59.7% | $4,139-60.2% |
| Admin fee / account holder | $2,197 | $5,323-58.7% | $7,189-69.4% | $7,234-69.6% |