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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 | $14,810 | $166,242-91.1% | $165,071-91.0% | $145,884-89.8% |
| Participation rate | 66.7% | 82.0%-15.4pp | 78.6%-12.0pp | 80.3%-13.6pp |
| Annual return | 9.97% | 100.44%-90.5pp | 70.17%-60.2pp | 551.85%-541.9pp |
| Employer contribution / active EE | $1,998 | $5,283-62.2% | $4,347-54.0% | $4,662-57.2% |
| Participant deferral / active EE | $3,328 | $6,964-52.2% | $6,035-44.9% | $6,690-50.3% |
| Admin fee / account holder | $331 | $16,658-98.0% | $12,695-97.4% | $13,392-97.5% |