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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 | $5,509 | $110,337-95.0% | $102,383-94.6% | $145,877-96.2% |
| Participation rate | 62.5% | 77.9%-15.4pp | 74.5%-12.0pp | 80.3%-17.8pp |
| Annual return | 14.92% | 24.83%-9.9pp | 24.94%-10.0pp | 551.28%-536.4pp |
| Employer contribution / active EE | $1,532 | $4,216-63.7% | $3,870-60.4% | $4,663-67.1% |
| Participant deferral / active EE | $1,933 | $5,621-65.6% | $5,060-61.8% | $6,691-71.1% |
| Admin fee / account holder | $843 | $9,750-91.4% | $8,391-89.9% | $13,402-93.7% |