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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 | $3,774 | $97,125-96.1% | $86,233-95.6% | $137,256-97.3% |
| Participation rate | 60.0% | 74.2%-14.2pp | 69.0%-9.0pp | 80.0%-20.0pp |
| Annual return | 22.29% | 74.19%-51.9pp | 61.39%-39.1pp | 220.34%-198.0pp |
| Employer contribution / active EE | $1,070 | $2,841-62.4% | $2,504-57.3% | $4,156-74.3% |
| Participant deferral / active EE | $1,155 | $5,180-77.7% | $4,559-74.7% | $6,407-82.0% |
| Admin fee / account holder | $546 | $9,725-94.4% | $8,342-93.5% | $12,270-95.6% |