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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 | $2,942 | $103,008-97.1% | $90,304-96.7% | $152,897-98.1% |
| Participation rate | 50.0% | 75.9%-25.9pp | 73.3%-23.3pp | 82.5%-32.5pp |
| Annual return | 138.07% | 95.22%+42.8pp | 78.13%+59.9pp | 345.43%-207.4pp |
| Employer contribution / active EE | $1,111 | $3,139-64.6% | $2,855-61.1% | $4,764-76.7% |
| Participant deferral / active EE | $1,136 | $4,281-73.5% | $3,885-70.8% | $5,851-80.6% |
| Admin fee / account holder | $736 | $6,175-88.1% | $5,354-86.3% | $11,599-93.7% |