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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 | $7,271 | $124,351-94.2% | $109,188-93.3% | $167,553-95.7% |
| Participation rate | 60.0% | 79.4%-19.4pp | 75.9%-15.9pp | 82.1%-22.1pp |
| Annual return | 25.77% | 26.04%-0.3pp | 25.76%0pp | 478.89%-453.1pp |
| Employer contribution / active EE | $1,552 | $4,210-63.1% | $3,723-58.3% | $4,840-67.9% |
| Participant deferral / active EE | $2,304 | $5,257-56.2% | $4,654-50.5% | $6,343-63.7% |
| Admin fee / account holder | $631 | $7,975-92.1% | $6,755-90.7% | $12,316-94.9% |