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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 | $2,081 | $166,242-98.7% | $165,071-98.7% | $145,884-98.6% |
| Participation rate | 54.5% | 82.0%-27.5pp | 78.6%-24.1pp | 80.3%-25.8pp |
| Annual return | 13.13% | 100.44%-87.3pp | 70.17%-57.0pp | 551.85%-538.7pp |
| Employer contribution / active EE | $2,895 | $5,283-45.2% | $4,347-33.4% | $4,662-37.9% |
| Participant deferral / active EE | $4,524 | $6,964-35.0% | $6,035-25.0% | $6,690-32.4% |
| Admin fee / account holder | $491,616 | $16,658+2851.2% | $12,695+3772.5% | $13,392+3571.0% |