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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 | $5,947 | $211,224-97.2% | $178,505-96.7% | $145,897-95.9% |
| Participation rate | 54.2% | 80.8%-26.7pp | 77.1%-23.0pp | 80.3%-26.1pp |
| Annual return | 24.11% | 30.28%-6.2pp | 27.16%-3.0pp | 552.29%-528.2pp |
| Employer contribution / active EE | $930 | $4,577-79.7% | $3,955-76.5% | $4,663-80.1% |
| Participant deferral / active EE | $2,667 | $6,966-61.7% | $6,280-57.5% | $6,689-60.1% |
| Admin fee / account holder | $319 | $12,109-97.4% | $10,428-96.9% | $13,390-97.6% |