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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 | $10,305 | $48,570-78.8% | $130,660-92.1% | $72,976-85.9% |
| Participation rate | 51.7% | 58.6%-6.9pp | 71.7%-20.1pp | 69.5%-17.8pp |
| Annual return | 112.54% | 38.63%+73.9pp | 1709.29%-1596.8pp | 81.02%+31.5pp |
| Employer contribution / active EE | $355 | $1,334-73.4% | $4,092-91.3% | $2,440-85.4% |
| Participant deferral / active EE | $1,389 | $2,384-41.7% | $3,603-61.5% | $3,608-61.5% |
| Admin fee / account holder | $714 | $3,549-79.9% | $5,463-86.9% | $5,124-86.1% |