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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 | $9,853 | $118,708-91.7% | $98,920-90.0% | $158,966-93.8% |
| Participation rate | 66.7% | 77.8%-11.2pp | 76.0%-9.4pp | 82.0%-15.3pp |
| Annual return | 19.41% | 372.49%-353.1pp | 196.47%-177.1pp | 302.95%-283.5pp |
| Employer contribution / active EE | $1,647 | $3,334-50.6% | $2,689-38.7% | $4,762-65.4% |
| Participant deferral / active EE | $4,003 | $5,089-21.3% | $4,245-5.7% | $5,983-33.1% |
| Admin fee / account holder | $600 | $10,134-94.1% | $6,643-91.0% | $11,250-94.7% |