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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 | $22,000 | $165,399-86.7% | $149,745-85.3% | $158,982-86.2% |
| Participation rate | 46.7% | 84.6%-37.9pp | 82.5%-35.8pp | 82.0%-35.3pp |
| Annual return | 18.35% | 348.34%-330.0pp | 276.72%-258.4pp | 302.99%-284.6pp |
| Employer contribution / active EE | $1,305 | $5,105-74.4% | $4,646-71.9% | $4,763-72.6% |
| Participant deferral / active EE | $4,947 | $7,183-31.1% | $6,843-27.7% | $5,983-17.3% |
| Admin fee / account holder | $2,816 | $10,811-74.0% | $9,312-69.8% | $11,252-75.0% |