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 | $9,002 | $88,324-89.8% | $115,038-92.2% | $55,191-83.7% |
| Participation rate | 50.7% | 72.5%-21.9pp | 81.4%-30.7pp | 69.2%-18.5pp |
| Annual return | 1325.68% | 6.30%+1319.4pp | 26.14%+1299.5pp | 10.78%+1314.9pp |
| Employer contribution / active EE | $918 | $2,805-67.3% | $4,608-80.1% | $1,899-51.7% |
| Participant deferral / active EE | $2,573 | $5,042-49.0% | $6,026-57.3% | $3,046-15.6% |
| Admin fee / account holder | $360 | $105+241.9% | $8,175-95.6% | $91+296.9% |