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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 | $11,843 | $75,962-84.4% | $154,108-92.3% | $64,173-81.5% |
| Participation rate | 50.0% | 70.4%-20.4pp | 83.0%-33.0pp | 69.6%-19.6pp |
| Annual return | 0.00% | 30.32%-30.3pp | 735.21%-735.2pp | 7.63%-7.6pp |
| Employer contribution / active EE | $1,256 | $3,350-62.5% | $5,298-76.3% | $2,381-47.2% |
| Participant deferral / active EE | $2,539 | $3,175-20.0% | $5,081-50.0% | $3,470-26.8% |
| Admin fee / account holder | $469 | $5,589-91.6% | $13,411-96.5% | $4,887-90.4% |