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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 | $5,047 | $90,607-94.4% | $79,467-93.6% | $135,380-96.3% |
| Participation rate | 33.3% | 76.0%-42.7pp | 73.3%-40.0pp | 82.6%-49.3pp |
| Annual return | 0.00% | 977.74%-977.7pp | 718.30%-718.3pp | 519.81%-519.8pp |
| Employer contribution / active EE | $1,095 | $3,068-64.3% | $2,800-60.9% | $4,779-77.1% |
| Participant deferral / active EE | $2,081 | $4,050-48.6% | $3,704-43.8% | $5,609-62.9% |
| Admin fee / account holder | $892 | $5,895-84.9% | $5,104-82.5% | $10,828-91.8% |