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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 | $6,300 | $107,368-94.1% | $92,915-93.2% | $152,909-95.9% |
| Participation rate | 45.5% | 79.8%-34.3pp | 76.0%-30.6pp | 82.5%-37.0pp |
| Annual return | 29.27% | 145.64%-116.4pp | 109.45%-80.2pp | 345.46%-316.2pp |
| Employer contribution / active EE | $818 | $4,222-80.6% | $3,653-77.6% | $4,764-82.8% |
| Participant deferral / active EE | $1,729 | $4,848-64.3% | $4,238-59.2% | $5,851-70.4% |
| Admin fee / account holder | $740 | $7,082-89.6% | $5,796-87.2% | $11,601-93.6% |