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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 | $25,182 | $144,130-82.5% | $117,861-78.6% | $147,586-82.9% |
| Participation rate | 60.0% | 83.4%-23.4pp | 79.7%-19.7pp | 82.8%-22.8pp |
| Annual return | 18.21% | 531.20%-513.0pp | 335.11%-316.9pp | 578.59%-560.4pp |
| Employer contribution / active EE | $0 | $4,897-100.0% | $3,786-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $1,877 | $5,316-64.7% | $4,482-58.1% | $5,439-65.5% |
| Admin fee / account holder | $1,789 | $10,887-83.6% | $8,021-77.7% | $10,886-83.6% |