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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 | $14,455 | $112,121-87.1% | $95,960-84.9% | $158,966-90.9% |
| Participation rate | 64.3% | 79.0%-14.7pp | 77.1%-12.8pp | 82.0%-17.7pp |
| Annual return | 12.22% | 171.16%-158.9pp | 91.63%-79.4pp | 302.95%-290.7pp |
| Employer contribution / active EE | $1,611 | $3,199-49.6% | $2,541-36.6% | $4,762-66.2% |
| Participant deferral / active EE | $2,260 | $4,784-52.8% | $4,167-45.8% | $5,983-62.2% |
| Admin fee / account holder | $305 | $10,135-97.0% | $6,797-95.5% | $11,250-97.3% |