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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 | $13,682 | $160,070-91.5% | $147,117-90.7% | $145,897-90.6% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 13.80% | 98.69%-84.9pp | 420.54%-406.7pp | 552.29%-538.5pp |
| Employer contribution / active EE | $5,313 | $5,285+0.5% | $4,932+7.7% | $4,663+13.9% |
| Participant deferral / active EE | $7,200 | $8,419-14.5% | $8,065-10.7% | $6,689+7.6% |
| Admin fee / account holder | $3,346 | $15,035-77.7% | $12,993-74.2% | $13,390-75.0% |