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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 | $14,986 | $202,342-92.6% | $172,752-91.3% | $152,897-90.2% |
| Participation rate | 42.9% | 87.1%-44.2pp | 82.6%-39.8pp | 82.5%-39.6pp |
| Annual return | 47.17% | 1029.83%-982.7pp | 802.97%-755.8pp | 345.43%-298.3pp |
| Employer contribution / active EE | $1,910 | $5,858-67.4% | $5,144-62.9% | $4,764-59.9% |
| Participant deferral / active EE | $6,428 | $5,948+8.1% | $5,198+23.7% | $5,851+9.9% |
| Admin fee / account holder | $4,527 | $17,111-73.5% | $13,955-67.6% | $11,599-61.0% |