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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 | $12,951 | $82,630-84.3% | $64,105-79.8% | $125,389-89.7% |
| Participation rate | 52.6% | 75.9%-23.2pp | 68.2%-15.5pp | 83.2%-30.6pp |
| Annual return | 7.47% | 1489.72%-1482.2pp | 791.24%-783.8pp | 282.24%-274.8pp |
| Employer contribution / active EE | $644 | $2,671-75.9% | $1,820-64.6% | $4,866-86.8% |
| Participant deferral / active EE | $968 | $3,608-73.2% | $2,822-65.7% | $5,352-81.9% |
| Admin fee / account holder | $1,499 | $6,382-76.5% | $4,499-66.7% | $9,541-84.3% |