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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 | $17,711 | $209,888-91.6% | $189,545-90.7% | $167,553-89.4% |
| Participation rate | 68.4% | 88.7%-20.2pp | 87.8%-19.4pp | 82.1%-13.7pp |
| Annual return | 11.21% | 748.66%-737.5pp | 555.36%-544.2pp | 478.89%-467.7pp |
| Employer contribution / active EE | $1,529 | $6,915-77.9% | $6,162-75.2% | $4,840-68.4% |
| Participant deferral / active EE | $4,652 | $8,934-47.9% | $8,220-43.4% | $6,343-26.6% |
| Admin fee / account holder | $1,800 | $14,300-87.4% | $12,049-85.1% | $12,316-85.4% |