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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 | $17,440 | $175,231-90.0% | $149,696-88.4% | $139,466-87.5% |
| Participation rate | 66.7% | 83.4%-16.7pp | 78.8%-12.1pp | 80.3%-13.7pp |
| Annual return | 23.08% | 166.77%-143.7pp | 134.46%-111.4pp | 373.66%-350.6pp |
| Employer contribution / active EE | $3,040 | $5,478-44.5% | $4,821-36.9% | $4,754-36.1% |
| Participant deferral / active EE | $4,831 | $6,521-25.9% | $5,682-15.0% | $6,712-28.0% |
| Admin fee / account holder | $5,618 | $16,155-65.2% | $13,212-57.5% | $11,409-50.8% |