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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 | $24,122 | $202,342-88.1% | $172,753-86.0% | $152,909-84.2% |
| Participation rate | 50.0% | 87.1%-37.1pp | 82.6%-32.6pp | 82.5%-32.5pp |
| Annual return | 25.39% | 1029.88%-1004.5pp | 803.00%-777.6pp | 345.46%-320.1pp |
| Employer contribution / active EE | $1,389 | $5,857-76.3% | $5,144-73.0% | $4,764-70.8% |
| Participant deferral / active EE | $3,187 | $5,948-46.4% | $5,198-38.7% | $5,851-45.5% |
| Admin fee / account holder | $553 | $17,112-96.8% | $13,956-96.0% | $11,601-95.2% |