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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 | $17,038 | $226,105-92.5% | $182,540-90.7% | $152,897-88.9% |
| Participation rate | 52.9% | 82.5%-29.5pp | 78.0%-25.0pp | 82.5%-29.5pp |
| Annual return | 59.00% | 192.58%-133.6pp | 148.58%-89.6pp | 345.43%-286.4pp |
| Employer contribution / active EE | $2,001 | $4,978-59.8% | $4,076-50.9% | $4,764-58.0% |
| Participant deferral / active EE | $3,451 | $6,370-45.8% | $5,525-37.5% | $5,851-41.0% |
| Admin fee / account holder | $1,099 | $10,706-89.7% | $8,593-87.2% | $11,599-90.5% |