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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 | $10,370 | $85,171-87.8% | $172,753-94.0% | $72,976-85.8% |
| Participation rate | 56.3% | 70.1%-13.7pp | 82.6%-26.3pp | 69.5%-13.2pp |
| Annual return | 20.61% | 27.32%-6.7pp | 803.00%-782.4pp | 81.02%-60.4pp |
| Employer contribution / active EE | $708 | $3,324-78.7% | $5,144-86.2% | $2,440-71.0% |
| Participant deferral / active EE | $1,098 | $3,260-66.3% | $5,198-78.9% | $3,608-69.6% |
| Admin fee / account holder | $930 | $5,880-84.2% | $13,956-93.3% | $5,124-81.9% |