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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 | $13,372 | $91,037-85.3% | $71,671-81.3% | $147,586-90.9% |
| Participation rate | 13.3% | 76.1%-62.8pp | 68.7%-55.4pp | 82.8%-69.5pp |
| Annual return | 14.97% | 20.48%-5.5pp | 20.65%-5.7pp | 578.59%-563.6pp |
| Employer contribution / active EE | $487 | $3,327-85.4% | $2,460-80.2% | $4,876-90.0% |
| Participant deferral / active EE | $1,330 | $4,498-70.4% | $3,438-61.3% | $5,439-75.6% |
| Admin fee / account holder | $15,749 | $8,613+82.9% | $5,558+183.3% | $10,886+44.7% |