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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 | $4,806 | $183,592-97.4% | $155,574-96.9% | $145,877-96.7% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 16.42% | 61.37%-45.0pp | 64.87%-48.4pp | 551.28%-534.9pp |
| Employer contribution / active EE | $39,855 | $5,317+649.6% | $4,676+752.4% | $4,663+754.7% |
| Participant deferral / active EE | $21,551 | $6,466+233.3% | $5,629+282.8% | $6,691+222.1% |
| Admin fee / account holder | $2,774,974 | $19,316+14266.3% | $15,914+17337.1% | $13,402+20605.4% |