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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 | $15,117 | $209,425-92.8% | $178,499-91.5% | $158,966-90.5% |
| Participation rate | 68.8% | 86.4%-17.6pp | 81.9%-13.2pp | 82.0%-13.2pp |
| Annual return | 6.23% | 188.80%-182.6pp | 151.10%-144.9pp | 302.95%-296.7pp |
| Employer contribution / active EE | $1,647 | $5,707-71.1% | $5,011-67.1% | $4,762-65.4% |
| Participant deferral / active EE | $2,407 | $5,955-59.6% | $5,202-53.7% | $5,983-59.8% |
| Admin fee / account holder | $1,272 | $17,078-92.6% | $13,986-90.9% | $11,250-88.7% |