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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 | $5,419 | $55,446-90.2% | $155,574-96.5% | $74,429-92.7% |
| Participation rate | 57.5% | 61.9%-4.4pp | 78.2%-20.7pp | 67.2%-9.7pp |
| Annual return | 26.53% | 269.20%-242.7pp | 64.87%-38.3pp | 1368.38%-1341.9pp |
| Employer contribution / active EE | $1,616 | $2,266-28.7% | $4,676-65.4% | $2,625-38.4% |
| Participant deferral / active EE | $1,381 | $2,836-51.3% | $5,629-75.5% | $4,348-68.2% |
| Admin fee / account holder | $430 | $1,743-75.3% | $15,914-97.3% | $1,944-77.9% |