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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 | $11,027 | $84,236-86.9% | $170,435-93.5% | $70,126-84.3% |
| Participation rate | 57.7% | 70.8%-13.1pp | 83.6%-25.9pp | 69.5%-11.8pp |
| Annual return | 24.62% | 23.06%+1.6pp | 205.94%-181.3pp | 73.15%-48.5pp |
| Employer contribution / active EE | $1,025 | $3,387-69.7% | $5,432-81.1% | $2,343-56.3% |
| Participant deferral / active EE | $1,829 | $3,086-40.7% | $4,939-63.0% | $3,332-45.1% |
| Admin fee / account holder | $315 | $5,698-94.5% | $13,881-97.7% | $4,645-93.2% |