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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 | $21,575 | $142,430-84.9% | $115,170-81.3% | $152,897-85.9% |
| Participation rate | 66.7% | 82.4%-15.7pp | 75.9%-9.2pp | 82.5%-15.8pp |
| Annual return | 23.88% | 41.48%-17.6pp | 35.60%-11.7pp | 345.43%-321.5pp |
| Employer contribution / active EE | $3,998 | $4,011-0.3% | $3,179+25.8% | $4,764-16.1% |
| Participant deferral / active EE | $12,124 | $5,165+134.7% | $4,169+190.8% | $5,851+107.2% |
| Admin fee / account holder | $166,424 | $8,464+1866.3% | $7,089+2247.7% | $11,599+1334.8% |