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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 | $12,697 | $118,877-89.3% | $96,570-86.9% | $167,536-92.4% |
| Participation rate | 60.0% | 75.5%-15.5pp | 69.8%-9.8pp | 82.1%-22.1pp |
| Annual return | 13.54% | 50.50%-37.0pp | 37.79%-24.3pp | 478.82%-465.3pp |
| Employer contribution / active EE | $1,081 | $3,121-65.4% | $2,357-54.1% | $4,839-77.7% |
| Participant deferral / active EE | $3,176 | $4,617-31.2% | $3,849-17.5% | $6,342-49.9% |
| Admin fee / account holder | $1,646 | $8,069-79.6% | $6,182-73.4% | $12,315-86.6% |