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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 | $11,400 | $211,224-94.6% | $178,505-93.6% | $145,897-92.2% |
| Participation rate | 0.0% | 80.8%-80.8pp | 77.1%-77.1pp | 80.3%-80.3pp |
| Annual return | 17.26% | 30.28%-13.0pp | 27.16%-9.9pp | 552.29%-535.0pp |
| Employer contribution / active EE | $1,026 | $4,577-77.6% | $3,955-74.0% | $4,663-78.0% |
| Participant deferral / active EE | $3,619 | $6,966-48.0% | $6,280-42.4% | $6,689-45.9% |
| Admin fee / account holder | $153,256 | $12,109+1165.6% | $10,428+1369.7% | $13,390+1044.5% |