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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 | $11,185 | $111,814-90.0% | $93,654-88.1% | $145,959-92.3% |
| Participation rate | 42.1% | 74.2%-32.1pp | 68.7%-26.6pp | 80.3%-38.2pp |
| Annual return | 11.46% | 203.30%-191.8pp | 133.34%-121.9pp | 561.95%-550.5pp |
| Employer contribution / active EE | $566 | $3,092-81.7% | $2,421-76.6% | $4,661-87.9% |
| Participant deferral / active EE | $1,815 | $4,914-63.1% | $4,413-58.9% | $6,689-72.9% |
| Admin fee / account holder | $1,037 | $10,246-89.9% | $8,282-87.5% | $13,398-92.3% |