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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 | $5,413 | $176,688-96.9% | $130,660-95.9% | $152,897-96.5% |
| Participation rate | 57.1% | 79.0%-21.8pp | 71.7%-14.6pp | 82.5%-25.3pp |
| Annual return | 23.63% | 2693.08%-2669.5pp | 1709.29%-1685.7pp | 345.43%-321.8pp |
| Employer contribution / active EE | $449 | $5,743-92.2% | $4,092-89.0% | $4,764-90.6% |
| Participant deferral / active EE | $598 | $4,362-86.3% | $3,603-83.4% | $5,851-89.8% |
| Admin fee / account holder | $4,712 | $7,131-33.9% | $5,463-13.7% | $11,599-59.4% |