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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 | $9,507 | $132,634-92.8% | $115,768-91.8% | $137,256-93.1% |
| Participation rate | 0.0% | 77.9%-77.9pp | 74.4%-74.4pp | 80.0%-80.0pp |
| Annual return | 17.23% | 160.70%-143.5pp | 100.46%-83.2pp | 220.34%-203.1pp |
| Employer contribution / active EE | $679 | $3,360-79.8% | $2,940-76.9% | $4,156-83.7% |
| Participant deferral / active EE | $3,312 | $5,619-41.0% | $4,917-32.6% | $6,407-48.3% |
| Admin fee / account holder | $640 | $15,028-95.7% | $12,439-94.9% | $12,270-94.8% |