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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 | $27,199 | $198,462-86.3% | $170,439-84.0% | $147,585-81.6% |
| Participation rate | 66.7% | 88.0%-21.3pp | 83.6%-16.9pp | 82.8%-16.2pp |
| Annual return | 15.24% | 257.30%-242.1pp | 205.94%-190.7pp | 578.58%-563.3pp |
| Employer contribution / active EE | $7,002 | $6,184+13.2% | $5,433+28.9% | $4,876+43.6% |
| Participant deferral / active EE | $6,979 | $5,629+24.0% | $4,939+41.3% | $5,439+28.3% |
| Admin fee / account holder | $2,328 | $16,852-86.2% | $13,881-83.2% | $10,886-78.6% |