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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 | $26,810 | $202,342-86.8% | $172,753-84.5% | $152,909-82.5% |
| Participation rate | 66.7% | 87.1%-20.4pp | 82.6%-16.0pp | 82.5%-15.8pp |
| Annual return | 19.88% | 1029.88%-1010.0pp | 803.00%-783.1pp | 345.46%-325.6pp |
| Employer contribution / active EE | $3,280 | $5,857-44.0% | $5,144-36.2% | $4,764-31.1% |
| Participant deferral / active EE | $9,392 | $5,948+57.9% | $5,198+80.7% | $5,851+60.5% |
| Admin fee / account holder | $9,401 | $17,112-45.1% | $13,956-32.6% | $11,601-19.0% |