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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 | $6,824 | $92,766-92.6% | $82,763-91.8% | $134,545-94.9% |
| Participation rate | 41.7% | 75.2%-33.5pp | 72.6%-30.9pp | 81.2%-39.6pp |
| Annual return | -15.89% | 946.97%-962.9pp | 702.45%-718.3pp | 418.37%-434.3pp |
| Employer contribution / active EE | $1,115 | $3,273-65.9% | $3,008-62.9% | $4,742-76.5% |
| Participant deferral / active EE | $1,780 | $4,802-62.9% | $4,395-59.5% | $6,401-72.2% |
| Admin fee / account holder | $1,647 | $5,978-72.4% | $5,325-69.1% | $11,431-85.6% |