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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 | $3,838 | $90,397-95.8% | $76,002-95.0% | $145,959-97.4% |
| Participation rate | 69.2% | 74.5%-5.3pp | 69.1%+0.2pp | 80.3%-11.1pp |
| Annual return | 0.00% | 621.97%-622.0pp | 360.07%-360.1pp | 561.95%-561.9pp |
| Employer contribution / active EE | $1,485 | $3,317-55.2% | $2,688-44.8% | $4,661-68.1% |
| Participant deferral / active EE | $1,512 | $5,163-70.7% | $4,257-64.5% | $6,689-77.4% |
| Admin fee / account holder | $588 | $8,369-93.0% | $6,414-90.8% | $13,398-95.6% |