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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 | $10,032 | $80,812-87.6% | $160,784-93.8% | $82,448-87.8% |
| Participation rate | 63.2% | 66.2%-3.1pp | 77.0%-13.8pp | 68.1%-4.9pp |
| Annual return | 19.28% | 100.59%-81.3pp | 1803.92%-1784.6pp | 41.64%-22.4pp |
| Employer contribution / active EE | $1,456 | $2,174-33.0% | $3,733-61.0% | $2,551-42.9% |
| Participant deferral / active EE | $3,656 | $4,335-15.7% | $6,293-41.9% | $4,139-11.7% |
| Admin fee / account holder | $7,363 | $7,695-4.3% | $9,717-24.2% | $7,234+1.8% |