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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 | $11,924 | $202,440-94.1% | $169,390-93.0% | $139,466-91.5% |
| Participation rate | 50.0% | 81.1%-31.1pp | 77.2%-27.2pp | 80.3%-30.3pp |
| Annual return | 15.73% | 532.36%-516.6pp | 406.07%-390.3pp | 373.66%-357.9pp |
| Employer contribution / active EE | $1,264 | $4,693-73.1% | $4,013-68.5% | $4,754-73.4% |
| Participant deferral / active EE | $2,250 | $6,940-67.6% | $6,222-63.8% | $6,712-66.5% |
| Admin fee / account holder | $1,306 | $10,722-87.8% | $9,015-85.5% | $11,409-88.6% |