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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 | $11,447 | $73,546-84.4% | $63,018-81.8% | $147,586-92.2% |
| Participation rate | 57.1% | 77.9%-20.7pp | 74.8%-17.7pp | 82.8%-25.7pp |
| Annual return | 30.07% | 175.56%-145.5pp | 87.62%-57.6pp | 578.59%-548.5pp |
| Employer contribution / active EE | $1,769 | $3,324-46.8% | $2,761-35.9% | $4,876-63.7% |
| Participant deferral / active EE | $2,547 | $4,185-39.1% | $3,330-23.5% | $5,439-53.2% |
| Admin fee / account holder | $611 | $5,956-89.7% | $3,601-83.0% | $10,886-94.4% |