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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 | $14,472 | $148,623-90.3% | $135,974-89.4% | $139,466-89.6% |
| Participation rate | 21.4% | 83.9%-62.4pp | 81.9%-60.5pp | 80.3%-58.9pp |
| Annual return | 103.08% | 79.30%+23.8pp | 68.30%+34.8pp | 373.66%-270.6pp |
| Employer contribution / active EE | $3,057 | $5,246-41.7% | $4,859-37.1% | $4,754-35.7% |
| Participant deferral / active EE | $8,366 | $8,103+3.3% | $7,760+7.8% | $6,712+24.6% |
| Admin fee / account holder | $4,727 | $12,406-61.9% | $10,767-56.1% | $11,409-58.6% |