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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 | $15,941 | $150,346-89.4% | $120,524-86.8% | $145,877-89.1% |
| Participation rate | 66.7% | 78.8%-12.1pp | 71.9%-5.3pp | 80.3%-13.6pp |
| Annual return | 13.72% | 154.40%-140.7pp | 107.36%-93.6pp | 551.28%-537.6pp |
| Employer contribution / active EE | $1,822 | $4,353-58.1% | $3,469-47.5% | $4,663-60.9% |
| Participant deferral / active EE | $2,382 | $6,172-61.4% | $4,994-52.3% | $6,691-64.4% |
| Admin fee / account holder | $956 | $12,215-92.2% | $9,440-89.9% | $13,402-92.9% |