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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 | $10,416 | $52,450-80.1% | $129,295-91.9% | $74,546-86.0% |
| Participation rate | 54.2% | 53.8%+0.4pp | 69.6%-15.4pp | 67.2%-13.0pp |
| Annual return | 11.84% | 15.65%-3.8pp | 9429.28%-9417.4pp | 1366.03%-1354.2pp |
| Employer contribution / active EE | $741 | $1,532-51.6% | $4,157-82.2% | $2,624-71.8% |
| Participant deferral / active EE | $923 | $2,797-67.0% | $4,169-77.9% | $4,347-78.8% |
| Admin fee / account holder | $1,356 | $2,636-48.6% | $7,665-82.3% | $1,944-30.2% |