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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 | $17,430 | $150,447-88.4% | $136,298-87.2% | $147,586-88.2% |
| Participation rate | 58.3% | 84.4%-26.1pp | 81.9%-23.6pp | 82.8%-24.5pp |
| Annual return | 0.00% | 1049.15%-1049.2pp | 5156.27%-5156.3pp | 578.59%-578.6pp |
| Employer contribution / active EE | $1,158 | $5,256-78.0% | $4,696-75.3% | $4,876-76.3% |
| Participant deferral / active EE | $2,659 | $6,631-59.9% | $6,247-57.4% | $5,439-51.1% |
| Admin fee / account holder | $11,206 | $10,906+2.7% | $9,244+21.2% | $10,886+2.9% |