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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 | $5,795 | $84,708-93.2% | $75,714-92.3% | $167,536-96.5% |
| Participation rate | 57.1% | 77.8%-20.7pp | 74.8%-17.7pp | 82.1%-25.0pp |
| Annual return | 31.86% | 199.62%-167.8pp | 104.62%-72.8pp | 478.82%-447.0pp |
| Employer contribution / active EE | $476 | $3,231-85.3% | $2,744-82.7% | $4,839-90.2% |
| Participant deferral / active EE | $2,915 | $4,577-36.3% | $3,820-23.7% | $6,342-54.0% |
| Admin fee / account holder | $4,299 | $5,358-19.8% | $3,619+18.8% | $12,315-65.1% |