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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 | $4,502 | $34,316-86.9% | $74,723-94.0% | $72,976-93.8% |
| Participation rate | 46.9% | 42.4%+4.5pp | 54.5%-7.6pp | 69.5%-22.6pp |
| Annual return | 23.86% | 26.58%-2.7pp | 753.18%-729.3pp | 81.02%-57.2pp |
| Employer contribution / active EE | $227 | $692-67.1% | $1,084-79.0% | $2,440-90.7% |
| Participant deferral / active EE | $805 | $1,272-36.7% | $1,962-58.9% | $3,608-77.7% |
| Admin fee / account holder | $549 | $2,125-74.1% | $3,335-83.5% | $5,124-89.3% |