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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 | $5,873 | $52,682-88.9% | $78,004-92.5% | $64,097-90.8% |
| Participation rate | 46.9% | 47.7%-0.8pp | 69.4%-22.5pp | 55.2%-8.3pp |
| Annual return | 17.82% | 22.45%-4.6pp | 31.07%-13.3pp | 34.64%-16.8pp |
| Employer contribution / active EE | $475 | $1,323-64.1% | $2,469-80.7% | $1,891-74.9% |
| Participant deferral / active EE | $870 | $2,346-62.9% | $4,092-78.7% | $3,080-71.7% |
| Admin fee / account holder | $1,784 | $5,420-67.1% | $7,578-76.5% | $3,454-48.4% |