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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 | $19,139 | $202,342-90.5% | $172,753-88.9% | $152,909-87.5% |
| Participation rate | 45.8% | 87.1%-41.2pp | 82.6%-36.8pp | 82.5%-36.6pp |
| Annual return | 39.81% | 1029.88%-990.1pp | 803.00%-763.2pp | 345.46%-305.7pp |
| Employer contribution / active EE | $2,087 | $5,857-64.4% | $5,144-59.4% | $4,764-56.2% |
| Participant deferral / active EE | $3,384 | $5,948-43.1% | $5,198-34.9% | $5,851-42.2% |
| Admin fee / account holder | $2,522 | $17,112-85.3% | $13,956-81.9% | $11,601-78.3% |