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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 | $22,241 | $198,457-88.8% | $170,435-87.0% | $147,586-84.9% |
| Participation rate | 63.6% | 88.0%-24.3pp | 83.6%-20.0pp | 82.8%-19.2pp |
| Annual return | 23.45% | 257.30%-233.9pp | 205.94%-182.5pp | 578.59%-555.1pp |
| Employer contribution / active EE | $2,109 | $6,183-65.9% | $5,432-61.2% | $4,876-56.8% |
| Participant deferral / active EE | $4,181 | $5,629-25.7% | $4,939-15.3% | $5,439-23.1% |
| Admin fee / account holder | $1,758 | $16,852-89.6% | $13,881-87.3% | $10,886-83.8% |