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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 | $30,722 | $202,342-84.8% | $172,753-82.2% | $152,909-79.9% |
| Participation rate | 66.7% | 87.1%-20.4pp | 82.6%-16.0pp | 82.5%-15.8pp |
| Annual return | 16.02% | 1029.88%-1013.9pp | 803.00%-787.0pp | 345.46%-329.4pp |
| Employer contribution / active EE | $1,919 | $5,857-67.2% | $5,144-62.7% | $4,764-59.7% |
| Participant deferral / active EE | $7,077 | $5,948+19.0% | $5,198+36.2% | $5,851+20.9% |
| Admin fee / account holder | $1,829 | $17,112-89.3% | $13,956-86.9% | $11,601-84.2% |