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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 | $5,520 | $108,695-94.9% | $74,722-92.6% | $152,897-96.4% |
| Participation rate | 36.8% | 65.4%-28.5pp | 54.5%-17.6pp | 82.5%-45.6pp |
| Annual return | 16.00% | 114.11%-98.1pp | 753.11%-737.1pp | 345.43%-329.4pp |
| Employer contribution / active EE | $370 | $1,504-75.4% | $1,084-65.9% | $4,764-92.2% |
| Participant deferral / active EE | $643 | $2,712-76.3% | $1,963-67.2% | $5,851-89.0% |
| Admin fee / account holder | $1,872 | $4,906-61.8% | $3,335-43.9% | $11,599-83.9% |