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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 | $12,567 | $52,967-76.3% | $172,753-92.7% | $65,186-80.7% |
| Participation rate | 36.6% | 66.2%-29.6pp | 82.6%-46.0pp | 70.2%-33.6pp |
| Annual return | 23.68% | 30.12%-6.4pp | 803.00%-779.3pp | 29.39%-5.7pp |
| Employer contribution / active EE | $540 | $2,190-75.3% | $5,144-89.5% | $2,177-75.2% |
| Participant deferral / active EE | $1,123 | $2,471-54.6% | $5,198-78.4% | $3,514-68.1% |
| Admin fee / account holder | $1,649 | $472+249.3% | $13,956-88.2% | $847+94.6% |