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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 | $6,179 | $93,124-93.4% | $77,100-92.0% | $134,545-95.4% |
| Participation rate | 55.0% | 74.5%-19.5pp | 67.9%-12.9pp | 81.2%-26.2pp |
| Annual return | 0.00% | 62.68%-62.7pp | 42.35%-42.4pp | 418.37%-418.4pp |
| Employer contribution / active EE | $3,937 | $3,421+15.1% | $2,815+39.9% | $4,742-17.0% |
| Participant deferral / active EE | $1,040 | $5,242-80.2% | $4,430-76.5% | $6,401-83.8% |
| Admin fee / account holder | $1,450 | $6,970-79.2% | $5,443-73.4% | $11,431-87.3% |