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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 | $6,028 | $34,316-82.4% | $74,723-91.9% | $72,976-91.7% |
| Participation rate | 27.8% | 42.4%-14.6pp | 54.5%-26.7pp | 69.5%-41.7pp |
| Annual return | 43.99% | 26.58%+17.4pp | 753.18%-709.2pp | 81.02%-37.0pp |
| Employer contribution / active EE | $607 | $692-12.3% | $1,084-44.0% | $2,440-75.1% |
| Participant deferral / active EE | $741 | $1,272-41.7% | $1,962-62.2% | $3,608-79.5% |
| Admin fee / account holder | $360 | $2,125-83.1% | $3,335-89.2% | $5,124-93.0% |