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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 | $12,979 | $175,231-92.6% | $149,696-91.3% | $139,466-90.7% |
| Participation rate | 55.6% | 83.4%-27.8pp | 78.8%-23.2pp | 80.3%-24.8pp |
| Annual return | 24.40% | 166.77%-142.4pp | 134.46%-110.1pp | 373.66%-349.3pp |
| Employer contribution / active EE | $1,967 | $5,478-64.1% | $4,821-59.2% | $4,754-58.6% |
| Participant deferral / active EE | $6,624 | $6,521+1.6% | $5,682+16.6% | $6,712-1.3% |
| Admin fee / account holder | $3,524 | $16,155-78.2% | $13,212-73.3% | $11,409-69.1% |