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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 | $19,831 | $149,741-86.8% | $118,914-83.3% | $158,982-87.5% |
| Participation rate | 63.2% | 82.1%-19.0pp | 75.4%-12.2pp | 82.0%-18.8pp |
| Annual return | 45.66% | 19.94%+25.7pp | 35.89%+9.8pp | 302.99%-257.3pp |
| Employer contribution / active EE | $3,221 | $4,119-21.8% | $3,264-1.3% | $4,763-32.4% |
| Participant deferral / active EE | $5,859 | $5,226+12.1% | $4,266+37.3% | $5,983-2.1% |
| Admin fee / account holder | $1,487 | $8,607-82.7% | $6,582-77.4% | $11,252-86.8% |