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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 | $698 | $22,602-96.9% | $65,566-98.9% | $75,173-99.1% |
| Participation rate | 39.0% | 63.1%-24.0pp | 64.9%-25.9pp | 67.2%-28.2pp |
| Annual return | 41.44% | 71.13%-29.7pp | 47.40%-6.0pp | 160.72%-119.3pp |
| Employer contribution / active EE | $479 | $941-49.1% | $1,692-71.7% | $2,671-82.1% |
| Participant deferral / active EE | $991 | $1,695-41.5% | $2,832-65.0% | $4,126-76.0% |
| Admin fee / account holder | $337 | $1,877-82.1% | $4,114-91.8% | $5,651-94.0% |