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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 | $7,346 | $107,015-93.1% | $73,545-90.0% | $147,585-95.0% |
| Participation rate | 62.5% | 66.4%-3.9pp | 54.9%+7.6pp | 82.8%-20.3pp |
| Annual return | 14.49% | 38.25%-23.8pp | -15.16%+29.6pp | 578.58%-564.1pp |
| Employer contribution / active EE | $555 | $1,760-68.5% | $1,219-54.5% | $4,876-88.6% |
| Participant deferral / active EE | $679 | $2,462-72.4% | $1,806-62.4% | $5,439-87.5% |
| Admin fee / account holder | $613 | $3,055-79.9% | $2,320-73.6% | $10,886-94.4% |