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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 | $10,924 | $106,005-89.7% | $92,239-88.2% | $147,585-92.6% |
| Participation rate | 63.6% | 80.4%-16.8pp | 76.5%-12.8pp | 82.8%-19.2pp |
| Annual return | 25.25% | 50.05%-24.8pp | 176.29%-151.0pp | 578.58%-553.3pp |
| Employer contribution / active EE | $1,504 | $4,333-65.3% | $3,680-59.1% | $4,876-69.2% |
| Participant deferral / active EE | $2,457 | $4,478-45.1% | $3,897-37.0% | $5,439-54.8% |
| Admin fee / account holder | $447 | $6,333-92.9% | $5,194-91.4% | $10,886-95.9% |