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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 | $20,832 | $103,393-79.9% | $87,103-76.1% | $152,909-86.4% |
| Participation rate | 65.2% | 79.4%-14.1pp | 76.9%-11.7pp | 82.5%-17.2pp |
| Annual return | 775.78% | 28.10%+747.7pp | 28.19%+747.6pp | 345.46%+430.3pp |
| Employer contribution / active EE | $2,347 | $3,221-27.1% | $2,521-6.9% | $4,764-50.7% |
| Participant deferral / active EE | $4,192 | $4,778-12.3% | $4,049+3.5% | $5,851-28.4% |
| Admin fee / account holder | $934 | $12,195-92.3% | $7,491-87.5% | $11,601-91.9% |