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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 | $22,136 | $150,447-85.3% | $136,298-83.8% | $147,586-85.0% |
| Participation rate | 63.6% | 84.4%-20.8pp | 81.9%-18.3pp | 82.8%-19.2pp |
| Annual return | 26.16% | 1049.15%-1023.0pp | 5156.27%-5130.1pp | 578.59%-552.4pp |
| Employer contribution / active EE | $2,346 | $5,256-55.4% | $4,696-50.0% | $4,876-51.9% |
| Participant deferral / active EE | $3,769 | $6,631-43.2% | $6,247-39.7% | $5,439-30.7% |
| Admin fee / account holder | $331 | $10,906-97.0% | $9,244-96.4% | $10,886-97.0% |