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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 | $7,442 | $150,346-95.1% | $120,524-93.8% | $145,877-94.9% |
| Participation rate | 33.3% | 78.8%-45.5pp | 71.9%-38.6pp | 80.3%-47.0pp |
| Annual return | 16.32% | 154.40%-138.1pp | 107.36%-91.0pp | 551.28%-535.0pp |
| Employer contribution / active EE | $2,963 | $4,353-31.9% | $3,469-14.6% | $4,663-36.4% |
| Participant deferral / active EE | $2,963 | $6,172-52.0% | $4,994-40.7% | $6,691-55.7% |
| Admin fee / account holder | $4,275 | $12,215-65.0% | $9,440-54.7% | $13,402-68.1% |