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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 | $9,759 | $203,483-95.2% | $152,473-93.6% | $167,553-94.2% |
| Participation rate | 50.0% | 82.3%-32.3pp | 78.2%-28.2pp | 82.1%-32.1pp |
| Annual return | 9.25% | 13.80%-4.5pp | 757.59%-748.3pp | 478.89%-469.6pp |
| Employer contribution / active EE | $1,583 | $5,219-69.7% | $4,326-63.4% | $4,840-67.3% |
| Participant deferral / active EE | $2,340 | $6,711-65.1% | $5,817-59.8% | $6,343-63.1% |
| Admin fee / account holder | $915 | $22,521-95.9% | $15,811-94.2% | $12,316-92.6% |