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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 | $13,033 | $225,673-94.2% | $203,872-93.6% | $155,188-91.6% |
| Participation rate | 40.9% | 80.3%-39.4pp | 77.8%-36.9pp | 80.8%-39.9pp |
| Annual return | 19.26% | 95.91%-76.7pp | 85.11%-65.8pp | 148.84%-129.6pp |
| Employer contribution / active EE | $483 | $4,099-88.2% | $3,757-87.1% | $4,248-88.6% |
| Participant deferral / active EE | $1,299 | $6,893-81.1% | $6,388-79.7% | $6,531-80.1% |
| Admin fee / account holder | $506 | $12,327-95.9% | $11,730-95.7% | $14,480-96.5% |