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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 | $11,047 | $56,640-80.5% | $78,002-85.8% | $55,167-80.0% |
| Participation rate | 67.3% | 73.3%-6.0pp | 75.5%-8.2pp | 69.0%-1.7pp |
| Annual return | 7.40% | 2868.48%-2861.1pp | 425.99%-418.6pp | 169.23%-161.8pp |
| Employer contribution / active EE | $749 | $1,724-56.5% | $2,470-69.7% | $1,963-61.8% |
| Participant deferral / active EE | $1,728 | $2,778-37.8% | $3,497-50.6% | $3,054-43.4% |
| Admin fee / account holder | $526 | $467+12.7% | $5,481-90.4% | $504+4.4% |