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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 | $12,558 | $159,978-92.1% | $147,041-91.5% | $145,978-91.4% |
| Participation rate | 63.6% | 84.0%-20.4pp | 82.2%-18.5pp | 80.3%-16.7pp |
| Annual return | 16.01% | 98.36%-82.4pp | 419.21%-403.2pp | 550.52%-534.5pp |
| Employer contribution / active EE | $2,036 | $5,288-61.5% | $4,935-58.7% | $4,662-56.3% |
| Participant deferral / active EE | $3,751 | $8,429-55.5% | $8,071-53.5% | $6,690-43.9% |
| Admin fee / account holder | $421 | $15,053-97.2% | $13,006-96.8% | $13,400-96.9% |