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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 | $23,886 | $91,537-73.9% | $130,045-81.6% | $75,173-68.2% |
| Participation rate | 51.2% | 71.5%-20.2pp | 78.5%-27.3pp | 67.2%-16.0pp |
| Annual return | 481.34% | -631.55%+1112.9pp | -137.30%+618.6pp | 160.72%+320.6pp |
| Employer contribution / active EE | $1,948 | $2,845-31.5% | $4,321-54.9% | $2,671-27.1% |
| Participant deferral / active EE | $3,405 | $4,343-21.6% | $5,820-41.5% | $4,126-17.5% |
| Admin fee / account holder | $1,509 | $6,780-77.7% | $10,600-85.8% | $5,651-73.3% |