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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 | $114,013-97.7% | $103,693-97.5% | $155,188-98.3% |
| Participation rate | 0.0% | 75.2%-75.2pp | 72.6%-72.6pp | 80.8%-80.8pp |
| Annual return | 20.91% | 49.31%-28.4pp | 47.61%-26.7pp | 148.84%-127.9pp |
| Employer contribution / active EE | $5,583 | $3,131+78.3% | $2,920+91.2% | $4,248+31.4% |
| Participant deferral / active EE | $7,350 | $4,970+47.9% | $4,579+60.5% | $6,531+12.5% |
| Admin fee / account holder | $45,244 | $8,407+438.2% | $7,858+475.8% | $14,480+212.5% |