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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 | $5,204 | $56,431-90.8% | $130,788-96.0% | $87,485-94.1% |
| Participation rate | 35.5% | 58.9%-23.5pp | 70.1%-34.6pp | 68.9%-33.4pp |
| Annual return | 23.32% | 91.27%-67.9pp | 386.44%-363.1pp | 26.06%-2.7pp |
| Employer contribution / active EE | $0 | $1,549-100.0% | $3,558-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,046 | $2,749-62.0% | $4,137-74.7% | $4,274-75.5% |
| Admin fee / account holder | $962 | $4,433-78.3% | $6,673-85.6% | $7,775-87.6% |