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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 | $26,857 | $209,422-87.2% | $178,503-85.0% | $158,982-83.1% |
| Participation rate | 69.2% | 86.4%-17.1pp | 81.9%-12.7pp | 82.0%-12.7pp |
| Annual return | 39.24% | 188.81%-149.6pp | 151.12%-111.9pp | 302.99%-263.7pp |
| Employer contribution / active EE | $1,584 | $5,707-72.2% | $5,011-68.4% | $4,763-66.7% |
| Participant deferral / active EE | $6,734 | $5,955+13.1% | $5,202+29.4% | $5,983+12.5% |
| Admin fee / account holder | $432 | $17,079-97.5% | $13,987-96.9% | $11,252-96.2% |