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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 | $15,112 | $162,821-90.7% | $133,978-88.7% | $158,982-90.5% |
| Participation rate | 50.0% | 83.2%-33.2pp | 79.8%-29.8pp | 82.0%-32.0pp |
| Annual return | 43.20% | 41.95%+1.3pp | 45.10%-1.9pp | 302.99%-259.8pp |
| Employer contribution / active EE | $1,058 | $4,976-78.7% | $3,919-73.0% | $4,763-77.8% |
| Participant deferral / active EE | $3,428 | $5,910-42.0% | $5,047-32.1% | $5,983-42.7% |
| Admin fee / account holder | $525 | $11,742-95.5% | $8,930-94.1% | $11,252-95.3% |