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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 | $3,228 | $84,685-96.2% | $73,836-95.6% | $125,389-97.4% |
| Participation rate | 42.9% | 76.8%-33.9pp | 73.4%-30.6pp | 83.2%-40.3pp |
| Annual return | 0.00% | 3123.80%-3123.8pp | 2268.06%-2268.1pp | 282.24%-282.2pp |
| Employer contribution / active EE | $527 | $3,123-83.1% | $2,787-81.1% | $4,866-89.2% |
| Participant deferral / active EE | $2,387 | $3,993-40.2% | $3,583-33.4% | $5,352-55.4% |
| Admin fee / account holder | $3,729 | $5,694-34.5% | $4,882-23.6% | $9,541-60.9% |