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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 | $24,363 | $209,847-88.4% | $189,520-87.1% | $167,518-85.5% |
| Participation rate | 60.0% | 88.7%-28.7pp | 87.8%-27.8pp | 82.1%-22.1pp |
| Annual return | 47.73% | 748.45%-700.7pp | 555.25%-507.5pp | 478.71%-431.0pp |
| Employer contribution / active EE | $3,387 | $6,913-51.0% | $6,161-45.0% | $4,838-30.0% |
| Participant deferral / active EE | $8,370 | $8,934-6.3% | $8,220+1.8% | $6,342+32.0% |
| Admin fee / account holder | $7,313 | $14,295-48.8% | $12,046-39.3% | $12,312-40.6% |