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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 | $4,064 | $85,171-95.2% | $172,752-97.6% | $72,975-94.4% |
| Participation rate | 57.1% | 70.1%-12.9pp | 82.6%-25.5pp | 69.5%-12.3pp |
| Annual return | 23.25% | 27.32%-4.1pp | 802.97%-779.7pp | 81.01%-57.8pp |
| Employer contribution / active EE | $422 | $3,324-87.3% | $5,144-91.8% | $2,440-82.7% |
| Participant deferral / active EE | $1,424 | $3,260-56.3% | $5,198-72.6% | $3,608-60.5% |
| Admin fee / account holder | $887 | $5,880-84.9% | $13,955-93.6% | $5,124-82.7% |