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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 | $8,999 | $154,145-94.2% | $130,014-93.1% | $139,427-93.5% |
| Participation rate | 66.7% | 82.0%-15.3pp | 78.5%-11.8pp | 80.3%-13.7pp |
| Annual return | 0.00% | 32.49%-32.5pp | -137.22%+137.2pp | 373.27%-373.3pp |
| Employer contribution / active EE | $1,560 | $5,290-70.5% | $4,320-63.9% | $4,752-67.2% |
| Participant deferral / active EE | $4,217 | $6,711-37.2% | $5,821-27.6% | $6,711-37.2% |
| Admin fee / account holder | $398 | $14,009-97.2% | $10,616-96.3% | $11,404-96.5% |