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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 | $1,594 | $108,701-98.5% | $74,723-97.9% | $152,909-99.0% |
| Participation rate | 66.7% | 65.4%+1.3pp | 54.5%+12.2pp | 82.5%-15.8pp |
| Annual return | 20.37% | 114.12%-93.7pp | 753.18%-732.8pp | 345.46%-325.1pp |
| Employer contribution / active EE | $197 | $1,504-86.9% | $1,084-81.8% | $4,764-95.9% |
| Participant deferral / active EE | $245 | $2,709-90.9% | $1,962-87.5% | $5,851-95.8% |
| Admin fee / account holder | $322 | $4,906-93.4% | $3,335-90.3% | $11,601-97.2% |