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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 | $7,427 | $126,519-94.1% | $106,201-93.0% | $145,959-94.9% |
| Participation rate | 50.0% | 77.7%-27.7pp | 75.3%-25.3pp | 80.3%-30.3pp |
| Annual return | 12.33% | 225.10%-212.8pp | 116.26%-103.9pp | 561.95%-549.6pp |
| Employer contribution / active EE | $1,219 | $3,726-67.3% | $3,170-61.5% | $4,661-73.8% |
| Participant deferral / active EE | $1,939 | $5,716-66.1% | $5,012-61.3% | $6,689-71.0% |
| Admin fee / account holder | $739 | $17,312-95.7% | $11,039-93.3% | $13,398-94.5% |