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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 | $25,925 | $217,432-88.1% | $185,849-86.1% | $167,536-84.5% |
| Participation rate | 66.7% | 86.1%-19.4pp | 81.7%-15.0pp | 82.1%-15.4pp |
| Annual return | 15.62% | 148.42%-132.8pp | 122.10%-106.5pp | 478.82%-463.2pp |
| Employer contribution / active EE | $1,897 | $5,875-67.7% | $5,169-63.3% | $4,839-60.8% |
| Participant deferral / active EE | $4,572 | $6,357-28.1% | $5,569-17.9% | $6,342-27.9% |
| Admin fee / account holder | $1,162 | $19,818-94.1% | $16,244-92.8% | $12,315-90.6% |