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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 | $13,985 | $135,956-89.7% | $123,894-88.7% | $273,972-94.9% |
| Participation rate | 53.3% | 84.1%-30.7pp | 81.4%-28.1pp | 83.0%-29.7pp |
| Annual return | 739.65% | 56.63%+683.0pp | 47.52%+692.1pp | 41.46%+698.2pp |
| Employer contribution / active EE | $1,637 | $5,170-68.3% | $4,617-64.5% | $4,869-66.4% |
| Participant deferral / active EE | $3,012 | $6,343-52.5% | $5,984-49.7% | $5,287-43.0% |
| Admin fee / account holder | $879 | $9,817-91.0% | $8,357-89.5% | $10,133-91.3% |