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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 | $10,513 | $150,447-93.0% | $136,298-92.3% | $147,586-92.9% |
| Participation rate | 57.1% | 84.4%-27.3pp | 81.9%-24.8pp | 82.8%-25.7pp |
| Annual return | 16.12% | 1049.15%-1033.0pp | 5156.27%-5140.1pp | 578.59%-562.5pp |
| Employer contribution / active EE | $1,686 | $5,256-67.9% | $4,696-64.1% | $4,876-65.4% |
| Participant deferral / active EE | $3,429 | $6,631-48.3% | $6,247-45.1% | $5,439-37.0% |
| Admin fee / account holder | $308 | $10,906-97.2% | $9,244-96.7% | $10,886-97.2% |