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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 | $16,747 | $150,197-88.9% | $120,368-86.1% | $145,959-88.5% |
| Participation rate | 40.0% | 78.8%-38.8pp | 71.9%-31.9pp | 80.3%-40.3pp |
| Annual return | 12.52% | 154.26%-141.7pp | 107.26%-94.7pp | 561.95%-549.4pp |
| Employer contribution / active EE | $918 | $4,350-78.9% | $3,465-73.5% | $4,661-80.3% |
| Participant deferral / active EE | $2,171 | $6,174-64.8% | $4,991-56.5% | $6,689-67.5% |
| Admin fee / account holder | $12,771 | $12,216+4.5% | $9,429+35.4% | $13,398-4.7% |