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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 | $16,936 | $209,422-91.9% | $178,503-90.5% | $158,982-89.3% |
| Participation rate | 57.1% | 86.4%-29.2pp | 81.9%-24.8pp | 82.0%-24.8pp |
| Annual return | 15.96% | 188.81%-172.8pp | 151.12%-135.2pp | 302.99%-287.0pp |
| Employer contribution / active EE | $1,186 | $5,707-79.2% | $5,011-76.3% | $4,763-75.1% |
| Participant deferral / active EE | $3,483 | $5,955-41.5% | $5,202-33.0% | $5,983-41.8% |
| Admin fee / account holder | $913 | $17,079-94.7% | $13,987-93.5% | $11,252-91.9% |