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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 | $4,030 | $72,465-94.4% | $67,575-94.0% | $145,884-97.2% |
| Participation rate | 58.3% | 76.9%-18.5pp | 72.9%-14.6pp | 80.3%-22.0pp |
| Annual return | 16.27% | 7222.56%-7206.3pp | 3528.98%-3512.7pp | 551.85%-535.6pp |
| Employer contribution / active EE | $1,077 | $3,074-65.0% | $2,736-60.6% | $4,662-76.9% |
| Participant deferral / active EE | $2,097 | $4,786-56.2% | $4,003-47.6% | $6,690-68.6% |
| Admin fee / account holder | $2,749 | $5,515-50.2% | $3,993-31.2% | $13,392-79.5% |