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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 | $185,199-93.1% | $142,874-91.0% | $167,518-92.3% |
| Participation rate | 37.5% | 78.5%-41.0pp | 72.0%-34.5pp | 82.1%-44.6pp |
| Annual return | 11.13% | 8556.90%-8545.8pp | 5638.58%-5627.5pp | 478.71%-467.6pp |
| Employer contribution / active EE | $0 | $5,606-100.0% | $4,145-100.0% | $4,838-100.0% |
| Participant deferral / active EE | $1,605 | $4,495-64.3% | $3,838-58.2% | $6,342-74.7% |
| Admin fee / account holder | $3,920 | $8,031-51.2% | $6,561-40.3% | $12,312-68.2% |