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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 | $14,605 | $152,612-90.4% | $125,192-88.3% | $152,897-90.4% |
| Participation rate | 33.3% | 83.3%-50.0pp | 79.8%-46.4pp | 82.5%-49.1pp |
| Annual return | 20.33% | 54.85%-34.5pp | 43.79%-23.5pp | 345.43%-325.1pp |
| Employer contribution / active EE | $1,515 | $4,947-69.4% | $3,866-60.8% | $4,764-68.2% |
| Participant deferral / active EE | $2,738 | $5,868-53.3% | $4,937-44.6% | $5,851-53.2% |
| Admin fee / account holder | $12,160 | $13,437-9.5% | $9,704+25.3% | $11,599+4.8% |