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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 | $154,754-96.8% | $124,206-96.0% | $138,895-96.4% |
| Participation rate | 50.0% | 75.5%-25.5pp | 69.6%-19.6pp | 79.9%-29.9pp |
| Annual return | 22.17% | 709.28%-687.1pp | 515.27%-493.1pp | 145.39%-123.2pp |
| Employer contribution / active EE | $569 | $4,446-87.2% | $3,540-83.9% | $4,194-86.4% |
| Participant deferral / active EE | $721 | $4,621-84.4% | $3,968-81.8% | $6,396-88.7% |
| Admin fee / account holder | $1,222 | $6,690-81.7% | $5,929-79.4% | $12,562-90.3% |