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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 | $26,805 | $198,457-86.5% | $170,435-84.3% | $147,586-81.8% |
| Participation rate | 60.0% | 88.0%-28.0pp | 83.6%-23.6pp | 82.8%-22.8pp |
| Annual return | 13.94% | 257.30%-243.4pp | 205.94%-192.0pp | 578.59%-564.7pp |
| Employer contribution / active EE | $2,094 | $6,183-66.1% | $5,432-61.5% | $4,876-57.1% |
| Participant deferral / active EE | $5,872 | $5,629+4.3% | $4,939+18.9% | $5,439+8.0% |
| Admin fee / account holder | $646 | $16,852-96.2% | $13,881-95.3% | $10,886-94.1% |