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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 | $7,003 | $104,937-93.3% | $84,628-91.7% | $152,897-95.4% |
| Participation rate | 66.7% | 74.8%-8.2pp | 68.2%-1.6pp | 82.5%-15.8pp |
| Annual return | 27.07% | 373.88%-346.8pp | 258.80%-231.7pp | 345.43%-318.4pp |
| Employer contribution / active EE | $1,083 | $3,303-67.2% | $2,653-59.2% | $4,764-77.3% |
| Participant deferral / active EE | $3,474 | $4,690-25.9% | $3,900-10.9% | $5,851-40.6% |
| Admin fee / account holder | $2,083 | $6,243-66.6% | $4,914-57.6% | $11,599-82.0% |