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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 | $20,355 | $59,448-65.8% | $93,696-78.3% | $74,459-72.7% |
| Participation rate | 33.3% | 59.6%-26.3pp | 68.7%-35.4pp | 67.2%-33.9pp |
| Annual return | 18.69% | 82.11%-63.4pp | 133.74%-115.0pp | 1369.70%-1351.0pp |
| Employer contribution / active EE | $1,402 | $1,266+10.7% | $2,422-42.1% | $2,626-46.6% |
| Participant deferral / active EE | $1,967 | $3,052-35.5% | $4,417-55.5% | $4,350-54.8% |
| Admin fee / account holder | $3,503 | $3,027+15.7% | $8,287-57.7% | $1,945+80.1% |