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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 | $12,257 | $96,508-87.3% | $75,901-83.9% | $152,897-92.0% |
| Participation rate | 69.6% | 76.2%-6.6pp | 69.3%+0.3pp | 82.5%-12.9pp |
| Annual return | 45.09% | 33.99%+11.1pp | 30.76%+14.3pp | 345.43%-300.3pp |
| Employer contribution / active EE | $0 | $3,310-100.0% | $2,501-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $1,947 | $4,554-57.2% | $3,603-46.0% | $5,851-66.7% |
| Admin fee / account holder | $1,055 | $8,081-86.9% | $5,420-80.5% | $11,599-90.9% |