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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 | $14,038 | $176,105-92.0% | $159,474-91.2% | $167,536-91.6% |
| Participation rate | 62.5% | 85.0%-22.5pp | 82.8%-20.3pp | 82.1%-19.6pp |
| Annual return | 0.00% | 331.91%-331.9pp | 263.68%-263.7pp | 478.82%-478.8pp |
| Employer contribution / active EE | $2,364 | $5,299-55.4% | $4,831-51.1% | $4,839-51.2% |
| Participant deferral / active EE | $6,504 | $7,751-16.1% | $7,353-11.5% | $6,342+2.6% |
| Admin fee / account holder | $360 | $12,559-97.1% | $10,802-96.7% | $12,315-97.1% |