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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 | $4,973 | $162,529-96.9% | $130,788-96.2% | $154,746-96.8% |
| Participation rate | 50.0% | 75.9%-25.9pp | 70.1%-20.1pp | 80.7%-30.7pp |
| Annual return | 22.17% | 510.48%-488.3pp | 386.44%-364.3pp | 172.34%-150.2pp |
| Employer contribution / active EE | $569 | $4,447-87.2% | $3,558-84.0% | $4,379-87.0% |
| Participant deferral / active EE | $721 | $4,808-85.0% | $4,137-82.6% | $6,730-89.3% |
| Admin fee / account holder | $1,222 | $7,669-84.1% | $6,673-81.7% | $14,365-91.5% |