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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 | $8,557 | $90,607-90.6% | $79,467-89.2% | $135,380-93.7% |
| Participation rate | 46.7% | 76.0%-29.4pp | 73.3%-26.7pp | 82.6%-36.0pp |
| Annual return | -2.49% | 977.74%-980.2pp | 718.30%-720.8pp | 519.81%-522.3pp |
| Employer contribution / active EE | $710 | $3,068-76.9% | $2,800-74.7% | $4,779-85.2% |
| Participant deferral / active EE | $1,448 | $4,050-64.2% | $3,704-60.9% | $5,609-74.2% |
| Admin fee / account holder | $1,127 | $5,895-80.9% | $5,104-77.9% | $10,828-89.6% |