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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 | $16,178 | $98,776-83.6% | $149,745-89.2% | $79,856-79.7% |
| Participation rate | 64.7% | 75.8%-11.1pp | 82.5%-17.8pp | 69.6%-4.9pp |
| Annual return | 100.00% | 27.38%+72.6pp | 276.72%-176.7pp | 31.71%+68.3pp |
| Employer contribution / active EE | $1,902 | $3,217-40.9% | $4,646-59.1% | $2,471-23.0% |
| Participant deferral / active EE | $3,028 | $5,681-46.7% | $6,843-55.8% | $3,741-19.0% |
| Admin fee / account holder | $1,298 | $6,053-78.6% | $9,312-86.1% | $5,306-75.5% |