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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 | $6,407 | $48,570-86.8% | $130,660-95.1% | $72,975-91.2% |
| Participation rate | 42.9% | 58.6%-15.7pp | 71.7%-28.9pp | 69.5%-26.6pp |
| Annual return | 26.00% | 38.63%-12.6pp | 1709.29%-1683.3pp | 81.01%-55.0pp |
| Employer contribution / active EE | $519 | $1,334-61.1% | $4,092-87.3% | $2,440-78.7% |
| Participant deferral / active EE | $976 | $2,384-59.1% | $3,603-72.9% | $3,608-72.9% |
| Admin fee / account holder | $838 | $3,549-76.4% | $5,463-84.7% | $5,124-83.6% |