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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 | $3,692 | $90,691-95.9% | $76,119-95.1% | $145,884-97.5% |
| Participation rate | 40.9% | 74.5%-33.6pp | 69.1%-28.2pp | 80.3%-39.4pp |
| Annual return | 13.44% | 624.52%-611.1pp | 361.25%-347.8pp | 551.85%-538.4pp |
| Employer contribution / active EE | $584 | $3,329-82.5% | $2,693-78.3% | $4,662-87.5% |
| Participant deferral / active EE | $3,296 | $5,167-36.2% | $4,259-22.6% | $6,690-50.7% |
| Admin fee / account holder | $705 | $8,383-91.6% | $6,421-89.0% | $13,392-94.7% |