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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 | $22,236 | $85,766-74.1% | $136,298-83.7% | $70,126-68.3% |
| Participation rate | 68.8% | 74.2%-5.4pp | 81.9%-13.2pp | 69.5%-0.8pp |
| Annual return | 32.02% | 31.46%+0.6pp | 5156.27%-5124.2pp | 73.15%-41.1pp |
| Employer contribution / active EE | $2,893 | $2,966-2.5% | $4,696-38.4% | $2,343+23.5% |
| Participant deferral / active EE | $5,745 | $5,051+13.7% | $6,247-8.0% | $3,332+72.4% |
| Admin fee / account holder | $879 | $5,421-83.8% | $9,244-90.5% | $4,645-81.1% |