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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 | $150,412-95.1% | $120,574-93.8% | $145,884-94.9% |
| Participation rate | 33.3% | 78.8%-45.5pp | 71.9%-38.6pp | 80.3%-47.0pp |
| Annual return | 16.32% | 154.50%-138.2pp | 107.42%-91.1pp | 551.85%-535.5pp |
| Employer contribution / active EE | $2,963 | $4,355-31.9% | $3,471-14.6% | $4,662-36.4% |
| Participant deferral / active EE | $2,963 | $6,175-52.0% | $4,996-40.7% | $6,690-55.7% |
| Admin fee / account holder | $4,275 | $12,224-65.0% | $9,445-54.7% | $13,392-68.1% |