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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 | $15,876 | $78,423-79.8% | $95,964-83.5% | $79,856-80.1% |
| Participation rate | 61.1% | 73.5%-12.4pp | 77.1%-16.0pp | 69.6%-8.5pp |
| Annual return | 150.18% | 19.37%+130.8pp | 91.64%+58.5pp | 31.71%+118.5pp |
| Employer contribution / active EE | $1,695 | $1,945-12.9% | $2,541-33.3% | $2,471-31.4% |
| Participant deferral / active EE | $3,355 | $3,440-2.5% | $4,167-19.5% | $3,741-10.3% |
| Admin fee / account holder | $744 | $5,622-86.8% | $6,797-89.1% | $5,306-86.0% |