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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 | $20,480 | $217,432-90.6% | $185,851-89.0% | $167,553-87.8% |
| Participation rate | 42.9% | 86.1%-43.2pp | 81.7%-38.9pp | 82.1%-39.3pp |
| Annual return | 11.87% | 148.43%-136.6pp | 122.11%-110.2pp | 478.89%-467.0pp |
| Employer contribution / active EE | $1,567 | $5,874-73.3% | $5,168-69.7% | $4,840-67.6% |
| Participant deferral / active EE | $3,046 | $6,357-52.1% | $5,569-45.3% | $6,343-52.0% |
| Admin fee / account holder | $467 | $19,820-97.6% | $16,245-97.1% | $12,316-96.2% |