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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 | $18,986 | $63,346-70.0% | $92,240-79.4% | $70,126-72.9% |
| Participation rate | 58.6% | 68.7%-10.1pp | 76.5%-17.9pp | 69.5%-11.0pp |
| Annual return | 0.00% | 530.19%-530.2pp | 176.29%-176.3pp | 73.15%-73.1pp |
| Employer contribution / active EE | $1,096 | $2,471-55.6% | $3,680-70.2% | $2,343-53.2% |
| Participant deferral / active EE | $1,875 | $2,854-34.3% | $3,897-51.9% | $3,332-43.7% |
| Admin fee / account holder | $593 | $3,841-84.6% | $5,194-88.6% | $4,645-87.2% |