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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 | $9,979 | $150,447-93.4% | $136,298-92.7% | $147,586-93.2% |
| Participation rate | 45.8% | 84.4%-38.6pp | 81.9%-36.1pp | 82.8%-37.0pp |
| Annual return | 29.54% | 1049.15%-1019.6pp | 5156.27%-5126.7pp | 578.59%-549.1pp |
| Employer contribution / active EE | $1,290 | $5,256-75.5% | $4,696-72.5% | $4,876-73.5% |
| Participant deferral / active EE | $3,393 | $6,631-48.8% | $6,247-45.7% | $5,439-37.6% |
| Admin fee / account holder | $1,253 | $10,906-88.5% | $9,244-86.4% | $10,886-88.5% |