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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 | $13,715 | $176,402-92.2% | $134,162-89.8% | $158,982-91.4% |
| Participation rate | 11.1% | 78.7%-67.6pp | 72.2%-61.1pp | 82.0%-70.9pp |
| Annual return | 29.24% | 63.66%-34.4pp | 36.35%-7.1pp | 302.99%-273.7pp |
| Employer contribution / active EE | $136 | $5,042-97.3% | $3,705-96.3% | $4,763-97.1% |
| Participant deferral / active EE | $2,260 | $4,093-44.8% | $3,500-35.4% | $5,983-62.2% |
| Admin fee / account holder | $535 | $8,719-93.9% | $6,685-92.0% | $11,252-95.2% |