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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 | $6,418 | $100,073-93.6% | $85,126-92.5% | $145,877-95.6% |
| Participation rate | 58.8% | 74.1%-15.3pp | 67.5%-8.7pp | 80.3%-21.5pp |
| Annual return | 55.68% | 84.11%-28.4pp | 66.63%-11.0pp | 551.28%-495.6pp |
| Employer contribution / active EE | $1,212 | $3,236-62.5% | $2,731-55.6% | $4,663-74.0% |
| Participant deferral / active EE | $1,680 | $5,294-68.3% | $4,523-62.9% | $6,691-74.9% |
| Admin fee / account holder | $471 | $7,261-93.5% | $6,160-92.4% | $13,402-96.5% |