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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 | $31,050 | $101,591-69.4% | $147,096-78.9% | $74,429-58.3% |
| Participation rate | 59.2% | 75.5%-16.3pp | 82.2%-23.0pp | 67.2%-8.0pp |
| Annual return | 618.77% | 8746.45%-8127.7pp | 419.75%+199.0pp | 1368.38%-749.6pp |
| Employer contribution / active EE | $1,893 | $3,813-50.3% | $4,936-61.6% | $2,625-27.9% |
| Participant deferral / active EE | $4,621 | $7,302-36.7% | $8,071-42.7% | $4,348+6.3% |
| Admin fee / account holder | $1,077 | $1,750-38.5% | $13,005-91.7% | $1,944-44.6% |