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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 | $25,714 | $209,422-87.7% | $178,503-85.6% | $158,982-83.8% |
| Participation rate | 54.5% | 86.4%-31.8pp | 81.9%-27.4pp | 82.0%-27.4pp |
| Annual return | 11.60% | 188.81%-177.2pp | 151.12%-139.5pp | 302.99%-291.4pp |
| Employer contribution / active EE | $1,942 | $5,707-66.0% | $5,011-61.2% | $4,763-59.2% |
| Participant deferral / active EE | $6,094 | $5,955+2.3% | $5,202+17.1% | $5,983+1.8% |
| Admin fee / account holder | $8,332 | $17,079-51.2% | $13,987-40.4% | $11,252-26.0% |