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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 | $23,295 | $202,342-88.5% | $172,753-86.5% | $152,909-84.8% |
| Participation rate | 66.7% | 87.1%-20.4pp | 82.6%-16.0pp | 82.5%-15.8pp |
| Annual return | 20.92% | 1029.88%-1009.0pp | 803.00%-782.1pp | 345.46%-324.5pp |
| Employer contribution / active EE | $1,414 | $5,857-75.9% | $5,144-72.5% | $4,764-70.3% |
| Participant deferral / active EE | $6,617 | $5,948+11.2% | $5,198+27.3% | $5,851+13.1% |
| Admin fee / account holder | $1,549 | $17,112-90.9% | $13,956-88.9% | $11,601-86.6% |