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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 | $21,269 | $171,867-87.6% | $149,721-85.8% | $147,586-85.6% |
| Participation rate | 64.3% | 88.2%-23.9pp | 87.1%-22.8pp | 82.8%-18.5pp |
| Annual return | 11.32% | 2113.36%-2102.0pp | 1501.67%-1490.4pp | 578.59%-567.3pp |
| Employer contribution / active EE | $5,496 | $6,275-12.4% | $5,444+1.0% | $4,876+12.7% |
| Participant deferral / active EE | $3,249 | $7,270-55.3% | $6,568-50.5% | $5,439-40.3% |
| Admin fee / account holder | $1,008 | $13,799-92.7% | $11,282-91.1% | $10,886-90.7% |