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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 | $18,047 | $183,988-90.2% | $162,177-88.9% | $152,897-88.2% |
| Participation rate | 66.7% | 88.5%-21.8pp | 87.6%-20.9pp | 82.5%-15.8pp |
| Annual return | 22.54% | 150.79%-128.3pp | 115.60%-93.1pp | 345.43%-322.9pp |
| Employer contribution / active EE | $1,833 | $6,370-71.2% | $5,613-67.3% | $4,764-61.5% |
| Participant deferral / active EE | $27,310 | $8,032+240.0% | $7,297+274.3% | $5,851+366.7% |
| Admin fee / account holder | $13,370 | $13,123+1.9% | $10,843+23.3% | $11,599+15.3% |