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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 | $15,080 | $95,979-84.3% | $74,551-79.8% | $135,380-88.9% |
| Participation rate | 29.2% | 75.7%-46.5pp | 69.1%-40.0pp | 82.6%-53.5pp |
| Annual return | -6.03% | 56.97%-63.0pp | 32.53%-38.6pp | 519.81%-525.8pp |
| Employer contribution / active EE | $0 | $2,716-100.0% | $1,961-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $2,269 | $3,844-41.0% | $3,108-27.0% | $5,609-59.6% |
| Admin fee / account holder | $3,932 | $6,522-39.7% | $5,059-22.3% | $10,828-63.7% |