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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 | $17,423 | $112,131-84.5% | $95,964-81.8% | $158,982-89.0% |
| Participation rate | 45.5% | 79.0%-33.5pp | 77.1%-31.6pp | 82.0%-36.5pp |
| Annual return | 28.66% | 171.19%-142.5pp | 91.64%-63.0pp | 302.99%-274.3pp |
| Employer contribution / active EE | $1,609 | $3,199-49.7% | $2,541-36.7% | $4,763-66.2% |
| Participant deferral / active EE | $2,227 | $4,784-53.5% | $4,167-46.6% | $5,983-62.8% |
| Admin fee / account holder | $672 | $10,136-93.4% | $6,797-90.1% | $11,252-94.0% |