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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 | $21,714 | $144,130-84.9% | $117,861-81.6% | $147,586-85.3% |
| Participation rate | 28.6% | 83.4%-54.9pp | 79.7%-51.1pp | 82.8%-54.3pp |
| Annual return | 34.17% | 531.20%-497.0pp | 335.11%-300.9pp | 578.59%-544.4pp |
| Employer contribution / active EE | $1,935 | $4,897-60.5% | $3,786-48.9% | $4,876-60.3% |
| Participant deferral / active EE | $5,081 | $5,316-4.4% | $4,482+13.4% | $5,439-6.6% |
| Admin fee / account holder | $5,923 | $10,887-45.6% | $8,021-26.2% | $10,886-45.6% |