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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 | $9,119 | $84,708-89.2% | $75,714-88.0% | $167,536-94.6% |
| Participation rate | 0.0% | 77.8%-77.8pp | 74.8%-74.8pp | 82.1%-82.1pp |
| Annual return | 12.48% | 199.62%-187.1pp | 104.62%-92.1pp | 478.82%-466.3pp |
| Employer contribution / active EE | $2,164 | $3,231-33.0% | $2,744-21.1% | $4,839-55.3% |
| Participant deferral / active EE | $9,566 | $4,577+109.0% | $3,820+150.4% | $6,342+50.8% |
| Admin fee / account holder | $790 | $5,358-85.3% | $3,619-78.2% | $12,315-93.6% |