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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 | $10,922 | $75,962-85.6% | $154,108-92.9% | $64,173-83.0% |
| Participation rate | 26.2% | 70.4%-44.2pp | 83.0%-56.8pp | 69.6%-43.3pp |
| Annual return | -5.36% | 30.32%-35.7pp | 735.21%-740.6pp | 7.63%-13.0pp |
| Employer contribution / active EE | $0 | $3,350-100.0% | $5,298-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $887 | $3,175-72.1% | $5,081-82.5% | $3,470-74.4% |
| Admin fee / account holder | $2,415 | $5,589-56.8% | $13,411-82.0% | $4,887-50.6% |