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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 | $5,723 | $102,663-94.4% | $86,216-93.4% | $139,466-95.9% |
| Participation rate | 60.0% | 74.5%-14.5pp | 69.0%-9.0pp | 80.3%-20.3pp |
| Annual return | 12.16% | 1924.52%-1912.4pp | 1169.42%-1157.3pp | 373.66%-361.5pp |
| Employer contribution / active EE | $1,260 | $3,035-58.5% | $2,382-47.1% | $4,754-73.5% |
| Participant deferral / active EE | $1,700 | $4,677-63.6% | $3,986-57.3% | $6,712-74.7% |
| Admin fee / account holder | $942 | $8,663-89.1% | $6,853-86.3% | $11,409-91.7% |