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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 | $8,967 | $115,814-92.3% | $101,275-91.1% | $158,982-94.4% |
| Participation rate | 33.3% | 79.4%-46.0pp | 75.8%-42.5pp | 82.0%-48.6pp |
| Annual return | 260.52% | 56.16%+204.4pp | 46.48%+214.0pp | 302.99%-42.5pp |
| Employer contribution / active EE | $780 | $4,176-81.3% | $3,660-78.7% | $4,763-83.6% |
| Participant deferral / active EE | $1,942 | $4,958-60.8% | $4,371-55.6% | $5,983-67.5% |
| Admin fee / account holder | $397 | $7,249-94.5% | $5,948-93.3% | $11,252-96.5% |