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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 | $26,051 | $209,425-87.6% | $178,499-85.4% | $158,966-83.6% |
| Participation rate | 60.0% | 86.4%-26.4pp | 81.9%-21.9pp | 82.0%-22.0pp |
| Annual return | 38.60% | 188.80%-150.2pp | 151.10%-112.5pp | 302.95%-264.3pp |
| Employer contribution / active EE | $2,815 | $5,707-50.7% | $5,011-43.8% | $4,762-40.9% |
| Participant deferral / active EE | $4,540 | $5,955-23.8% | $5,202-12.7% | $5,983-24.1% |
| Admin fee / account holder | $1,111 | $17,078-93.5% | $13,986-92.1% | $11,250-90.1% |