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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 | $1,085 | $160,070-99.3% | $147,117-99.3% | $145,897-99.3% |
| Participation rate | 0.0% | 84.0%-84.0pp | 82.2%-82.2pp | 80.3%-80.3pp |
| Annual return | 11.28% | 98.69%-87.4pp | 420.54%-409.3pp | 552.29%-541.0pp |
| Employer contribution / active EE | $2,264 | $5,285-57.2% | $4,932-54.1% | $4,663-51.4% |
| Participant deferral / active EE | $6,030 | $8,419-28.4% | $8,065-25.2% | $6,689-9.9% |
| Admin fee / account holder | $6,066,795 | $15,035+40250.4% | $12,993+46593.8% | $13,390+45207.1% |