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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 | $27,771 | $289,211-90.4% | $260,467-89.3% | $198,609-86.0% |
| Participation rate | 31.3% | 83.1%-51.9pp | 80.5%-49.2pp | 82.4%-51.1pp |
| Annual return | 25.10% | 112.90%-87.8pp | 100.60%-75.5pp | 202.70%-177.6pp |
| Employer contribution / active EE | $757 | $4,663-83.8% | $4,239-82.1% | $5,055-85.0% |
| Participant deferral / active EE | $2,185 | $6,812-67.9% | $6,319-65.4% | $6,977-68.7% |
| Admin fee / account holder | $556 | $16,236-96.6% | $15,461-96.4% | $19,030-97.1% |