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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 | $19,308 | $99,957-80.7% | $149,715-87.1% | $73,493-73.7% |
| Participation rate | 51.8% | 75.7%-23.9pp | 82.5%-30.7pp | 70.7%-18.9pp |
| Annual return | 14.43% | 53.87%-39.4pp | 276.66%-262.2pp | 28.51%-14.1pp |
| Employer contribution / active EE | $912 | $3,191-71.4% | $4,645-80.4% | $2,270-59.8% |
| Participant deferral / active EE | $3,151 | $6,073-48.1% | $6,842-53.9% | $3,740-15.7% |
| Admin fee / account holder | $2,031 | $551+268.7% | $9,310-78.2% | $513+295.7% |