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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 | $12,855 | $185,225-93.1% | $142,898-91.0% | $167,553-92.3% |
| Participation rate | 37.5% | 78.5%-41.0pp | 72.0%-34.5pp | 82.1%-44.6pp |
| Annual return | 11.13% | 8558.12%-8547.0pp | 5639.64%-5628.5pp | 478.89%-467.8pp |
| Employer contribution / active EE | $0 | $5,607-100.0% | $4,146-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $1,605 | $4,496-64.3% | $3,838-58.2% | $6,343-74.7% |
| Admin fee / account holder | $3,920 | $8,032-51.2% | $6,560-40.2% | $12,316-68.2% |