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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 | $5,774 | $102,635-94.4% | $86,209-93.3% | $139,456-95.9% |
| Participation rate | 58.3% | 74.5%-16.2pp | 69.0%-10.6pp | 80.3%-22.0pp |
| Annual return | 26.47% | 1923.53%-1897.1pp | 1169.05%-1142.6pp | 373.45%-347.0pp |
| Employer contribution / active EE | $1,135 | $3,034-62.6% | $2,381-52.4% | $4,753-76.1% |
| Participant deferral / active EE | $1,469 | $4,677-68.6% | $3,986-63.1% | $6,711-78.1% |
| Admin fee / account holder | $454 | $8,661-94.8% | $6,853-93.4% | $11,407-96.0% |