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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 | $8,953 | $45,082-80.1% | $69,464-87.1% | $72,975-87.7% |
| Participation rate | 31.4% | 68.5%-37.1pp | 74.6%-43.2pp | 69.5%-38.1pp |
| Annual return | 22.26% | 22.66%-0.4pp | 28.98%-6.7pp | 81.01%-58.8pp |
| Employer contribution / active EE | $480 | $2,055-76.6% | $2,779-82.7% | $2,440-80.3% |
| Participant deferral / active EE | $902 | $2,604-65.4% | $3,536-74.5% | $3,608-75.0% |
| Admin fee / account holder | $312 | $3,057-89.8% | $3,840-91.9% | $5,124-93.9% |