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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 | $6,656 | $110,379-94.0% | $102,412-93.5% | $145,884-95.4% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 17.41% | 24.84%-7.4pp | 24.94%-7.5pp | 551.85%-534.4pp |
| Employer contribution / active EE | $3,137 | $4,216-25.6% | $3,870-19.0% | $4,662-32.7% |
| Participant deferral / active EE | $3,137 | $5,622-44.2% | $5,060-38.0% | $6,690-53.1% |
| Admin fee / account holder | $6,784 | $9,745-30.4% | $8,388-19.1% | $13,392-49.3% |