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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 | $21,094 | $150,446-86.0% | $136,297-84.5% | $147,585-85.7% |
| Participation rate | 33.3% | 84.4%-51.1pp | 81.9%-48.6pp | 82.8%-49.5pp |
| Annual return | 18.23% | 1049.14%-1030.9pp | 5156.19%-5138.0pp | 578.58%-560.4pp |
| Employer contribution / active EE | $3,912 | $5,256-25.6% | $4,696-16.7% | $4,876-19.8% |
| Participant deferral / active EE | $3,912 | $6,631-41.0% | $6,247-37.4% | $5,439-28.1% |
| Admin fee / account holder | $56,494 | $10,906+418.0% | $9,244+511.2% | $10,886+419.0% |