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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 | $15,724 | $63,346-75.2% | $92,240-83.0% | $70,126-77.6% |
| Participation rate | 65.3% | 68.7%-3.4pp | 76.5%-11.2pp | 69.5%-4.3pp |
| Annual return | 14.93% | 530.19%-515.3pp | 176.29%-161.4pp | 73.15%-58.2pp |
| Employer contribution / active EE | $1,284 | $2,471-48.0% | $3,680-65.1% | $2,343-45.2% |
| Participant deferral / active EE | $1,705 | $2,854-40.3% | $3,897-56.3% | $3,332-48.8% |
| Admin fee / account holder | $886 | $3,841-76.9% | $5,194-83.0% | $4,645-80.9% |