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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 | $1,896 | $57,575-96.7% | $124,067-98.5% | $86,983-97.8% |
| Participation rate | 0.0% | 62.3%-62.3pp | 66.9%-66.9pp | 69.5%-69.5pp |
| Annual return | 19.40% | 19.65%-0.3pp | 31.06%-11.7pp | 25.83%-6.4pp |
| Employer contribution / active EE | $477 | $1,615-70.4% | $2,166-78.0% | $2,584-81.5% |
| Participant deferral / active EE | $1,280 | $2,623-51.2% | $3,463-63.0% | $4,194-69.5% |
| Admin fee / account holder | $160,394 | $8,506+1785.6% | $7,351+2081.9% | $7,856+1941.7% |