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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 | $9,503 | $45,152-79.0% | $73,835-87.1% | $59,633-84.1% |
| Participation rate | 59.6% | 64.0%-4.4pp | 73.4%-13.8pp | 68.7%-9.1pp |
| Annual return | -1.57% | 27.40%-29.0pp | 2268.13%-2269.7pp | 2041.40%-2043.0pp |
| Employer contribution / active EE | $0 | $1,901-100.0% | $2,788-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,062 | $2,573-58.7% | $3,583-70.4% | $3,192-66.7% |
| Admin fee / account holder | $2,219 | $3,515-36.9% | $4,880-54.5% | $4,297-48.4% |