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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 | $9,032 | $99,644-90.9% | $86,438-89.6% | $134,532-93.3% |
| Participation rate | 59.1% | 82.1%-23.0pp | 80.3%-21.2pp | 81.2%-22.1pp |
| Annual return | -20.21% | 6787.26%-6807.5pp | 4397.19%-4417.4pp | 418.27%-438.5pp |
| Employer contribution / active EE | $1,807 | $4,402-59.0% | $3,769-52.1% | $4,741-61.9% |
| Participant deferral / active EE | $2,292 | $7,247-68.4% | $6,952-67.0% | $6,401-64.2% |
| Admin fee / account holder | $489 | $8,375-94.2% | $6,733-92.7% | $11,429-95.7% |