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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 | $6,113 | $159,934-96.2% | $147,005-95.8% | $145,959-95.8% |
| Participation rate | 0.0% | 84.0%-84.0pp | 82.2%-82.2pp | 80.3%-80.3pp |
| Annual return | 12.01% | 98.24%-86.2pp | 418.76%-406.8pp | 561.95%-549.9pp |
| Employer contribution / active EE | $2,246 | $5,287-57.5% | $4,934-54.5% | $4,661-51.8% |
| Participant deferral / active EE | $6,858 | $8,427-18.6% | $8,070-15.0% | $6,689+2.5% |
| Admin fee / account holder | $1,358,810 | $15,053+8926.6% | $13,006+10347.4% | $13,398+10042.0% |