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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 | $6,394 | $60,128-89.4% | $90,440-92.9% | $79,852-92.0% |
| Participation rate | 48.8% | 65.0%-16.2pp | 72.7%-23.9pp | 69.6%-20.8pp |
| Annual return | 24.65% | 71.95%-47.3pp | 1294.38%-1269.7pp | 31.72%-7.1pp |
| Employer contribution / active EE | $497 | $2,068-76.0% | $3,263-84.8% | $2,471-79.9% |
| Participant deferral / active EE | $1,335 | $2,939-54.6% | $3,964-66.3% | $3,740-64.3% |
| Admin fee / account holder | $419 | $3,977-89.5% | $5,615-92.5% | $5,306-92.1% |