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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 | $23,773 | $183,988-87.1% | $162,177-85.3% | $152,897-84.5% |
| Participation rate | 66.7% | 88.5%-21.8pp | 87.6%-20.9pp | 82.5%-15.8pp |
| Annual return | 38.14% | 150.79%-112.6pp | 115.60%-77.5pp | 345.43%-307.3pp |
| Employer contribution / active EE | $2,633 | $6,370-58.7% | $5,613-53.1% | $4,764-44.7% |
| Participant deferral / active EE | $6,113 | $8,032-23.9% | $7,297-16.2% | $5,851+4.5% |
| Admin fee / account holder | $1,265 | $13,123-90.4% | $10,843-88.3% | $11,599-89.1% |