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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 | $8,739 | $124,351-93.0% | $109,188-92.0% | $167,553-94.8% |
| Participation rate | 53.3% | 79.4%-26.1pp | 75.9%-22.5pp | 82.1%-28.8pp |
| Annual return | 21.04% | 26.04%-5.0pp | 25.76%-4.7pp | 478.89%-457.8pp |
| Employer contribution / active EE | $1,173 | $4,210-72.1% | $3,723-68.5% | $4,840-75.8% |
| Participant deferral / active EE | $2,461 | $5,257-53.2% | $4,654-47.1% | $6,343-61.2% |
| Admin fee / account holder | $1,128 | $7,975-85.9% | $6,755-83.3% | $12,316-90.8% |