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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 | $9,370 | $150,447-93.8% | $136,298-93.1% | $147,586-93.7% |
| Participation rate | 46.7% | 84.4%-37.8pp | 81.9%-35.3pp | 82.8%-36.2pp |
| Annual return | 0.00% | 1049.15%-1049.2pp | 5156.27%-5156.3pp | 578.59%-578.6pp |
| Employer contribution / active EE | $1,577 | $5,256-70.0% | $4,696-66.4% | $4,876-67.7% |
| Participant deferral / active EE | $3,069 | $6,631-53.7% | $6,247-50.9% | $5,439-43.6% |
| Admin fee / account holder | $1,084 | $10,906-90.1% | $9,244-88.3% | $10,886-90.0% |