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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 | $8,337 | $45,152-81.5% | $73,845-88.7% | $59,632-86.0% |
| Participation rate | 57.7% | 64.0%-6.3pp | 73.4%-15.8pp | 68.7%-11.0pp |
| Annual return | -0.93% | 27.40%-28.3pp | 2267.91%-2268.8pp | 2041.32%-2042.2pp |
| Employer contribution / active EE | $282 | $1,902-85.2% | $2,788-89.9% | $2,203-87.2% |
| Participant deferral / active EE | $1,377 | $2,574-46.5% | $3,583-61.6% | $3,192-56.9% |
| Admin fee / account holder | $2,274 | $3,516-35.3% | $4,881-53.4% | $4,297-47.1% |