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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 | $9,520 | $85,171-88.8% | $172,753-94.5% | $72,976-87.0% |
| Participation rate | 54.7% | 70.1%-15.4pp | 82.6%-28.0pp | 69.5%-14.8pp |
| Annual return | 43.59% | 27.32%+16.3pp | 803.00%-759.4pp | 81.02%-37.4pp |
| Employer contribution / active EE | $1,112 | $3,324-66.6% | $5,144-78.4% | $2,440-54.4% |
| Participant deferral / active EE | $1,892 | $3,260-42.0% | $5,198-63.6% | $3,608-47.5% |
| Admin fee / account holder | $1,210 | $5,880-79.4% | $13,956-91.3% | $5,124-76.4% |