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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 | $8,919 | $159,978-94.4% | $147,041-93.9% | $145,978-93.9% |
| Participation rate | 33.3% | 84.0%-50.7pp | 82.2%-48.8pp | 80.3%-47.0pp |
| Annual return | 13.51% | 98.36%-84.9pp | 419.21%-405.7pp | 550.52%-537.0pp |
| Employer contribution / active EE | $4,325 | $5,288-18.2% | $4,935-12.4% | $4,662-7.2% |
| Participant deferral / active EE | $15,588 | $8,429+84.9% | $8,071+93.1% | $6,690+133.0% |
| Admin fee / account holder | $518,622 | $15,053+3345.3% | $13,006+3887.5% | $13,400+3770.2% |