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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 | $8,894 | $93,346-90.5% | $71,796-87.6% | $273,972-96.8% |
| Participation rate | 57.1% | 76.5%-19.4pp | 69.1%-12.0pp | 83.0%-25.9pp |
| Annual return | 5.03% | 130.39%-125.4pp | 78.04%-73.0pp | 41.46%-36.4pp |
| Employer contribution / active EE | $826 | $2,733-69.8% | $1,924-57.1% | $4,869-83.0% |
| Participant deferral / active EE | $826 | $3,475-76.2% | $2,794-70.5% | $5,287-84.4% |
| Admin fee / account holder | $2,117 | $6,571-67.8% | $4,815-56.0% | $10,133-79.1% |