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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 | $8,304 | $107,353-92.3% | $92,903-91.1% | $152,885-94.6% |
| Participation rate | 55.6% | 79.8%-24.2pp | 76.0%-20.4pp | 82.5%-26.9pp |
| Annual return | 0.00% | 145.62%-145.6pp | 109.43%-109.4pp | 345.39%-345.4pp |
| Employer contribution / active EE | $1,708 | $4,222-59.5% | $3,653-53.3% | $4,763-64.1% |
| Participant deferral / active EE | $3,232 | $4,848-33.3% | $4,238-23.7% | $5,851-44.8% |
| Admin fee / account holder | $434 | $7,081-93.9% | $5,795-92.5% | $11,598-96.3% |