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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 | $2,616 | $102,595-97.5% | $94,057-97.2% | $154,746-98.3% |
| Participation rate | 0.0% | 76.0%-76.0pp | 73.3%-73.3pp | 80.7%-80.7pp |
| Annual return | 20.91% | 583.42%-562.5pp | 480.62%-459.7pp | 172.34%-151.4pp |
| Employer contribution / active EE | $5,583 | $3,147+77.4% | $2,933+90.3% | $4,379+27.5% |
| Participant deferral / active EE | $7,350 | $5,118+43.6% | $4,709+56.1% | $6,730+9.2% |
| Admin fee / account holder | $45,244 | $7,736+484.9% | $7,244+524.5% | $14,365+215.0% |