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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 | $11,597 | $115,814-90.0% | $101,275-88.5% | $158,982-92.7% |
| Participation rate | 28.6% | 79.4%-50.8pp | 75.8%-47.2pp | 82.0%-53.4pp |
| Annual return | 43.18% | 56.16%-13.0pp | 46.48%-3.3pp | 302.99%-259.8pp |
| Employer contribution / active EE | $893 | $4,176-78.6% | $3,660-75.6% | $4,763-81.2% |
| Participant deferral / active EE | $2,439 | $4,958-50.8% | $4,371-44.2% | $5,983-59.2% |
| Admin fee / account holder | $831 | $7,249-88.5% | $5,948-86.0% | $11,252-92.6% |