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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 | $10,883 | $202,440-94.6% | $169,390-93.6% | $139,466-92.2% |
| Participation rate | 50.0% | 81.1%-31.1pp | 77.2%-27.2pp | 80.3%-30.3pp |
| Annual return | 40.24% | 532.36%-492.1pp | 406.07%-365.8pp | 373.66%-333.4pp |
| Employer contribution / active EE | $1,321 | $4,693-71.8% | $4,013-67.1% | $4,754-72.2% |
| Participant deferral / active EE | $2,816 | $6,940-59.4% | $6,222-54.7% | $6,712-58.0% |
| Admin fee / account holder | $303 | $10,722-97.2% | $9,015-96.6% | $11,409-97.3% |