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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 | $13,627 | $135,639-90.0% | $110,241-87.6% | $135,382-89.9% |
| Participation rate | 50.0% | 83.5%-33.5pp | 79.8%-29.8pp | 82.6%-32.6pp |
| Annual return | -7.87% | 513.21%-521.1pp | 314.75%-322.6pp | 519.77%-527.6pp |
| Employer contribution / active EE | $1,106 | $4,907-77.5% | $3,827-71.1% | $4,779-76.9% |
| Participant deferral / active EE | $1,839 | $5,507-66.6% | $4,672-60.6% | $5,609-67.2% |
| Admin fee / account holder | $2,230 | $11,457-80.5% | $8,548-73.9% | $10,829-79.4% |