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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 | $9,635 | $180,749-94.7% | $160,784-94.0% | $137,256-93.0% |
| Participation rate | 42.9% | 80.0%-37.1pp | 77.0%-34.1pp | 80.0%-37.1pp |
| Annual return | 12.71% | 2234.46%-2221.8pp | 1803.92%-1791.2pp | 220.34%-207.6pp |
| Employer contribution / active EE | $746 | $4,155-82.1% | $3,733-80.0% | $4,156-82.1% |
| Participant deferral / active EE | $2,823 | $6,844-58.7% | $6,293-55.1% | $6,407-55.9% |
| Admin fee / account holder | $6,946 | $10,397-33.2% | $9,717-28.5% | $12,270-43.4% |