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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 | $10,719 | $106,918-90.0% | $84,021-87.2% | $152,897-93.0% |
| Participation rate | 58.3% | 75.2%-16.9pp | 69.0%-10.7pp | 82.5%-24.1pp |
| Annual return | 48.61% | 105.01%-56.4pp | 71.32%-22.7pp | 345.43%-296.8pp |
| Employer contribution / active EE | $1,864 | $2,735-31.9% | $1,984-6.1% | $4,764-60.9% |
| Participant deferral / active EE | $3,005 | $4,012-25.1% | $3,239-7.2% | $5,851-48.6% |
| Admin fee / account holder | $575 | $8,288-93.1% | $6,102-90.6% | $11,599-95.0% |