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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 | $29,197 | $209,422-86.1% | $178,503-83.6% | $158,982-81.6% |
| Participation rate | 20.0% | 86.4%-66.4pp | 81.9%-61.9pp | 82.0%-62.0pp |
| Annual return | 11.22% | 188.81%-177.6pp | 151.12%-139.9pp | 302.99%-291.8pp |
| Employer contribution / active EE | $1,255 | $5,707-78.0% | $5,011-75.0% | $4,763-73.6% |
| Participant deferral / active EE | $3,068 | $5,955-48.5% | $5,202-41.0% | $5,983-48.7% |
| Admin fee / account holder | $2,159 | $17,079-87.4% | $13,987-84.6% | $11,252-80.8% |