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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 | $7,215 | $100,911-92.9% | $90,440-92.0% | $158,966-95.5% |
| Participation rate | 60.0% | 75.0%-15.0pp | 72.7%-12.7pp | 82.0%-22.0pp |
| Annual return | 15.06% | 1726.62%-1711.6pp | 1294.38%-1279.3pp | 302.95%-287.9pp |
| Employer contribution / active EE | $1,449 | $3,690-60.7% | $3,263-55.6% | $4,762-69.6% |
| Participant deferral / active EE | $2,496 | $4,348-42.6% | $3,964-37.0% | $5,983-58.3% |
| Admin fee / account holder | $6,740 | $6,507+3.6% | $5,615+20.0% | $11,250-40.1% |