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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 | $12,345 | $132,634-90.7% | $115,768-89.3% | $137,256-91.0% |
| Participation rate | 66.7% | 77.9%-11.2pp | 74.4%-7.7pp | 80.0%-13.3pp |
| Annual return | 43.60% | 160.70%-117.1pp | 100.46%-56.9pp | 220.34%-176.7pp |
| Employer contribution / active EE | $1,004 | $3,360-70.1% | $2,940-65.9% | $4,156-75.8% |
| Participant deferral / active EE | $2,965 | $5,619-47.2% | $4,917-39.7% | $6,407-53.7% |
| Admin fee / account holder | $3,778 | $15,028-74.9% | $12,439-69.6% | $12,270-69.2% |