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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 | $12,401 | $65,555-81.1% | $86,216-85.6% | $75,173-83.5% |
| Participation rate | 63.3% | 60.5%+2.8pp | 69.0%-5.6pp | 67.2%-3.9pp |
| Annual return | 29.37% | 46.07%-16.7pp | 1169.42%-1140.0pp | 160.72%-131.4pp |
| Employer contribution / active EE | $485 | $1,553-68.8% | $2,382-79.6% | $2,671-81.8% |
| Participant deferral / active EE | $4,002 | $3,023+32.4% | $3,986+0.4% | $4,126-3.0% |
| Admin fee / account holder | $467 | $5,469-91.5% | $6,853-93.2% | $5,651-91.7% |