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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 | $14,713 | $99,079-85.2% | $78,002-81.1% | $273,970-94.6% |
| Participation rate | 66.7% | 78.6%-11.9pp | 75.5%-8.9pp | 83.0%-16.3pp |
| Annual return | 2.12% | 217.93%-215.8pp | 425.99%-423.9pp | 41.46%-39.3pp |
| Employer contribution / active EE | $4,605 | $3,308+39.2% | $2,470+86.4% | $4,869-5.4% |
| Participant deferral / active EE | $3,115 | $4,306-27.7% | $3,497-10.9% | $5,287-41.1% |
| Admin fee / account holder | $51,728 | $8,954+477.7% | $5,481+843.8% | $10,132+410.5% |