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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 | $15,700 | $150,446-89.6% | $136,297-88.5% | $147,585-89.4% |
| Participation rate | 69.2% | 84.4%-15.2pp | 81.9%-12.7pp | 82.8%-13.6pp |
| Annual return | 19.73% | 1049.14%-1029.4pp | 5156.19%-5136.5pp | 578.58%-558.9pp |
| Employer contribution / active EE | $2,111 | $5,256-59.8% | $4,696-55.1% | $4,876-56.7% |
| Participant deferral / active EE | $4,113 | $6,631-38.0% | $6,247-34.2% | $5,439-24.4% |
| Admin fee / account holder | $637 | $10,906-94.2% | $9,244-93.1% | $10,886-94.1% |