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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 | $4,699 | $95,975-95.1% | $74,549-93.7% | $135,379-96.5% |
| Participation rate | 25.0% | 75.7%-50.7pp | 69.1%-44.1pp | 82.6%-57.6pp |
| Annual return | 0.00% | 56.96%-57.0pp | 32.53%-32.5pp | 519.79%-519.8pp |
| Employer contribution / active EE | $562 | $2,716-79.3% | $1,961-71.3% | $4,779-88.2% |
| Participant deferral / active EE | $1,070 | $3,844-72.2% | $3,108-65.6% | $5,609-80.9% |
| Admin fee / account holder | $317 | $6,522-95.1% | $5,059-93.7% | $10,828-97.1% |