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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 | $19,089 | $138,076-86.2% | $123,553-84.5% | $135,380-85.9% |
| Participation rate | 42.9% | 84.7%-41.9pp | 82.3%-39.4pp | 82.6%-39.8pp |
| Annual return | -5.42% | 153.70%-159.1pp | 119.21%-124.6pp | 519.81%-525.2pp |
| Employer contribution / active EE | $1,704 | $5,152-66.9% | $4,628-63.2% | $4,779-64.3% |
| Participant deferral / active EE | $3,679 | $6,800-45.9% | $6,426-42.7% | $5,609-34.4% |
| Admin fee / account holder | $727 | $10,917-93.3% | $9,284-92.2% | $10,828-93.3% |