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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 | $5,604 | $110,551-94.9% | $80,741-93.1% | $167,536-96.7% |
| Participation rate | 34.8% | 64.0%-29.2pp | 54.2%-19.4pp | 82.1%-47.3pp |
| Annual return | 10.91% | 120.57%-109.7pp | 87.30%-76.4pp | 478.82%-467.9pp |
| Employer contribution / active EE | $509 | $1,543-67.0% | $1,160-56.2% | $4,839-89.5% |
| Participant deferral / active EE | $1,290 | $2,870-55.1% | $2,145-39.9% | $6,342-79.7% |
| Admin fee / account holder | $2,120 | $4,547-53.4% | $3,380-37.3% | $12,315-82.8% |