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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 | $15,430 | $118,708-87.0% | $98,920-84.4% | $158,982-90.3% |
| Participation rate | 41.2% | 77.8%-36.6pp | 76.0%-34.9pp | 82.0%-40.8pp |
| Annual return | 10.62% | 372.49%-361.9pp | 196.47%-185.9pp | 302.99%-292.4pp |
| Employer contribution / active EE | $956 | $3,334-71.3% | $2,689-64.5% | $4,763-79.9% |
| Participant deferral / active EE | $1,895 | $5,089-62.8% | $4,245-55.4% | $5,983-68.3% |
| Admin fee / account holder | $8,426 | $10,134-16.8% | $6,643+26.8% | $11,252-25.1% |