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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 | $12,822 | $209,425-93.9% | $178,499-92.8% | $158,966-91.9% |
| Participation rate | 57.1% | 86.4%-29.2pp | 81.9%-24.8pp | 82.0%-24.8pp |
| Annual return | 33.07% | 188.80%-155.7pp | 151.10%-118.0pp | 302.95%-269.9pp |
| Employer contribution / active EE | $1,491 | $5,707-73.9% | $5,011-70.2% | $4,762-68.7% |
| Participant deferral / active EE | $5,034 | $5,955-15.5% | $5,202-3.2% | $5,983-15.9% |
| Admin fee / account holder | $5,052 | $17,078-70.4% | $13,986-63.9% | $11,250-55.1% |