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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 | $18,569 | $135,645-86.3% | $110,243-83.2% | $135,380-86.3% |
| Participation rate | 41.7% | 83.5%-41.8pp | 79.8%-38.2pp | 82.6%-41.0pp |
| Annual return | -7.52% | 513.24%-520.8pp | 314.76%-322.3pp | 519.81%-527.3pp |
| Employer contribution / active EE | $1,382 | $4,907-71.8% | $3,827-63.9% | $4,779-71.1% |
| Participant deferral / active EE | $2,795 | $5,507-49.3% | $4,672-40.2% | $5,609-50.2% |
| Admin fee / account holder | $2,033 | $11,458-82.3% | $8,548-76.2% | $10,828-81.2% |