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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 | $27,691 | $180,459-84.7% | $154,108-82.0% | $135,380-79.5% |
| Participation rate | 68.8% | 87.4%-18.7pp | 83.0%-14.3pp | 82.6%-13.9pp |
| Annual return | -8.16% | 888.21%-896.4pp | 735.21%-743.4pp | 519.81%-528.0pp |
| Employer contribution / active EE | $2,535 | $6,035-58.0% | $5,298-52.2% | $4,779-47.0% |
| Participant deferral / active EE | $2,491 | $5,806-57.1% | $5,081-51.0% | $5,609-55.6% |
| Admin fee / account holder | $344 | $16,145-97.9% | $13,411-97.4% | $10,828-96.8% |