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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 | $20,560 | $85,766-76.0% | $136,298-84.9% | $70,126-70.7% |
| Participation rate | 62.2% | 74.2%-12.0pp | 81.9%-19.8pp | 69.5%-7.4pp |
| Annual return | 0.00% | 31.46%-31.5pp | 5156.27%-5156.3pp | 73.15%-73.1pp |
| Employer contribution / active EE | $2,077 | $2,966-30.0% | $4,696-55.8% | $2,343-11.3% |
| Participant deferral / active EE | $4,558 | $5,051-9.8% | $6,247-27.0% | $3,332+36.8% |
| Admin fee / account holder | $312 | $5,421-94.2% | $9,244-96.6% | $4,645-93.3% |