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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 | $6,621 | $108,285-93.9% | $77,552-91.5% | $158,982-95.8% |
| Participation rate | 45.5% | 64.4%-19.0pp | 54.2%-8.7pp | 82.0%-36.5pp |
| Annual return | 12.34% | 31.69%-19.3pp | 54.82%-42.5pp | 302.99%-290.6pp |
| Employer contribution / active EE | $476 | $1,325-64.1% | $987-51.8% | $4,763-90.0% |
| Participant deferral / active EE | $761 | $2,455-69.0% | $1,861-59.1% | $5,983-87.3% |
| Admin fee / account holder | $1,165 | $3,709-68.6% | $2,859-59.2% | $11,252-89.6% |