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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 | $9,896 | $129,737-92.4% | $119,126-91.7% | $154,746-93.6% |
| Participation rate | 42.9% | 78.9%-36.0pp | 75.8%-32.9pp | 80.7%-37.8pp |
| Annual return | 19.47% | 379.08%-359.6pp | 282.11%-262.6pp | 172.34%-152.9pp |
| Employer contribution / active EE | $1,299 | $4,375-70.3% | $4,034-67.8% | $4,379-70.3% |
| Participant deferral / active EE | $1,898 | $5,842-67.5% | $5,318-64.3% | $6,730-71.8% |
| Admin fee / account holder | $438 | $11,961-96.3% | $10,693-95.9% | $14,365-97.0% |