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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 | $5,956 | $60,119-90.1% | $90,430-93.4% | $79,858-92.5% |
| Participation rate | 44.3% | 65.0%-20.7pp | 72.7%-28.4pp | 69.6%-25.4pp |
| Annual return | 24.30% | 71.94%-47.6pp | 1293.73%-1269.4pp | 31.72%-7.4pp |
| Employer contribution / active EE | $360 | $2,068-82.6% | $3,262-89.0% | $2,471-85.4% |
| Participant deferral / active EE | $1,231 | $2,938-58.1% | $3,963-68.9% | $3,740-67.1% |
| Admin fee / account holder | $1,072 | $3,976-73.0% | $5,613-80.9% | $5,306-79.8% |