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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 | $18,933 | $144,130-86.9% | $117,861-83.9% | $147,586-87.2% |
| Participation rate | 60.0% | 83.4%-23.4pp | 79.7%-19.7pp | 82.8%-22.8pp |
| Annual return | 16.99% | 531.20%-514.2pp | 335.11%-318.1pp | 578.59%-561.6pp |
| Employer contribution / active EE | $1,511 | $4,897-69.1% | $3,786-60.1% | $4,876-69.0% |
| Participant deferral / active EE | $4,464 | $5,316-16.0% | $4,482-0.4% | $5,439-17.9% |
| Admin fee / account holder | $3,753 | $10,887-65.5% | $8,021-53.2% | $10,886-65.5% |