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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 | $12,114 | $148,629-91.8% | $135,982-91.1% | $139,487-91.3% |
| Participation rate | 60.0% | 83.9%-23.9pp | 81.9%-21.9pp | 80.3%-20.3pp |
| Annual return | 0.00% | 79.33%-79.3pp | 68.32%-68.3pp | 373.84%-373.8pp |
| Employer contribution / active EE | $3,278 | $5,247-37.5% | $4,859-32.5% | $4,755-31.1% |
| Participant deferral / active EE | $3,728 | $8,102-54.0% | $7,760-52.0% | $6,713-44.5% |
| Admin fee / account holder | $449 | $12,406-96.4% | $10,767-95.8% | $11,407-96.1% |